Chevrolet Cruze Insurance Rates

How much is insurance on a Chevy Cruze? The average Chevrolet Cruze insurance rates are $119 per month or $1,432 annually. Many factors impact your Chevrolet Cruze rates, like the age of your model. For example, the 2011 Chevy Cruze insurance costs will be lower than the 2016 Chevy Cruze insurance costs. 

Read through our comprehensive Chevy Cruze insurance rates guide to better understand policy basics like what is collision insurance, and what does it cover that liability does not.

When you’re ready, shop for cheap Chevy Cruze rates by entering your ZIP code into our FREE quote comparison tool. 

The average insurance prices for a Chevrolet Cruze are $1,360 every 12 months with full coverage. Comprehensive costs on average $248, collision costs $512, and liability coverage is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $2,968. 16-year-old drivers cost the most to insure at $5,214 a year or more.

Average premium for full coverage: $1,360

Policy rates by type of insurance:

Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for all Cruze models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are shown to have more infrequent collision claims than congested cities.

The example below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why everyone should compare rates quotes based on a specific location and their own driving history, rather than using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below details estimated Chevrolet Cruze insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $777
• Raising to $1,000 deductibles will save around $174 annually
• The average price for a good driver age 40 with $500 deductibles is $1,360
• Buying pricier low deductibles increases the price to $1,696
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,968 or more
• Policy cost to insure a teenage driver for full coverage may cost $5,214

View Chart as Image

Insurance rates for a Chevrolet Cruze also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Cruze.

Opting for high physical damage deductibles can reduce rates by up to $510 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,300 additional every year, depending on your age. Chevrolet Cruze insurance for high-risk drivers is expensive and can cost around 44% to 131% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Chevrolet Cruze insurance rates. A middle-age driver might find rates as low as $980 a year in states like New Hampshire, Ohio, and Utah, or at least $1,840 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates will be varied.

How to Shop for Affordable Chevrolet Cruze Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by getting quotes from direct companies, and also from local exclusive and independent agents.

The next list is a brief review of the information raised in the charts and tables above.

• You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
• Drivers age 20 and younger pay higher rates, as much as $435 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Drivers with DUI or reckless driving convictions may pay on average $1,610 more each year to buy Chevrolet Cruze insurance
• Consumers who require increased levels of liability coverage will pay around $490 every year to raise from a 30/60 limit to a 250/500 level

As you’ve learned from the above information and from our Chevy Cruze comparison charts, many factors impact your Chevy Cruze insurance rates. The level of coverage you purchase will drastically change your Chevy Cruze cost per month. 

For example, let’s look at how much a 2012 Chevy Cruze costs to insure. If you purchase only liability insurance for a 2012 Chevy Cruze, you’ll pay much less than what full coverage 2012 Chevy Cruze insurance costs will be. The more protection you invest in, the higher your rates.

Raising your deductibles can help lower your rates for full coverage insurance for a 2014 Chevy Cruze or any other model age. Comparison shopping will also lead you to the cheapest rates. 

Find out how much a Chevy Cruze will cost you to insure by entering your ZIP code into our FREE quote tool below.

What are the safety ratings for the Chevrolet Cruze?

Understanding the Chevrolet Cruze safety ratings and features is a great way to discover car insurance discounts you might qualify for. Sometimes, it can even uncover if your vehicle is causing your rates to increase. 

Check out the 2019 Chevrolet Cruze safety ratings below.

• Moderate overlap front: Good
• Side: Good

A rating of ‘Good’ is the highest possible standard given by the Insurance Institute for Highway Safety. Fortunately, these great ratings will not cause your Chevy Cruze insurance costs to increase. 

However, some model years may have slightly different safety results. Therefore, we recommend looking up your specific model for the most accuracy. 

Chevrolet Cruze Compared Against other Vehicles in the Same Class

Comparing the Chevrolet Cruze to similar vehicles can help you save money, especially if it has better insurance loss ratios than other vehicles in its class.

Officially the Insurance Institute for Highway Safety classifies the Chevrolet Cruze as a small four-door car. See other comparable small sedans in the list below:

• Nissan Sentra
• Subaru WRX
• Volkswagen Golf

Unfortunately, the Chevy Cruze has substantially worse than average personal injury, medical payment, and bodily injury insurance loss ratios at 46 percent, 64 percent, and 53 percent respectively. Those numbers could lead to higher than average insurance rates. 

You are now an expert on securing lower Chevy Cruze costs for insurance. Start shopping for the best Chevrolet Cruze insurance rates by entering your ZIP code into our FREE quote comparison tool.