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. 

Estimated insurance prices for a Chevrolet Cruze are $1,322 every 12 months for full coverage. Comprehensive costs on average $238, collision costs $474, and liability costs $452. A policy with only liability insurance costs as little as $504 a year, with a high-risk policy costing around $2,882. 16-year-old drivers pay the most at $5,094 a year or more.

Average premium for full coverage: $1,322

Premium estimates by type of coverage:

Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different Cruze trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than congested cities.

The price range example below illustrates how location impacts car insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $760
• Drivers who choose higher $1,000 deductibles will pay around $160 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,322
• Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $1,638
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,882 or more
• An auto insurance policy to insure a teen driver with full coverage may cost $5,094 a year

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Car insurance prices for a Chevrolet Cruze also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Cruze.

Opting for high physical damage deductibles could save up to $480 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can cost as much as 43% to 135% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Chevrolet Cruze insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or at least $1,890 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Every company utilizes a different rate formula, so rate quotes will be substantially different.

How to Shop for the Best Cheap Chevrolet Cruze Insurance

Finding better rates on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Spend time shopping around every other policy renewal by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.

The following is a quick review of the ideas that were touched on above.

• Teens are expensive to insure, as much as $425 per month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation pay an average of $1,560 more each year for Cruze insurance
• Increasing policy deductibles could save as much as $475 each year
• Drivers can save as much as $160 per year simply by shopping early and online

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.