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 $1,360 every 12 months for full coverage insurance. Comprehensive costs an estimated $248, collision insurance costs $512, and liability insurance is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs around $2,968. Teenage drivers pay the most at up to $5,214 a year.

Average premium for full coverage: $1,360

Premium estimates broken down by type of coverage:

Rates are based on $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different Cruze trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates how location helps determine insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Charts and Tables

The chart below illustrates average Chevrolet Cruze insurance rates for other coverage scenarios.

• The best discount rate is $777
• Raising to $1,000 deductibles will save approximately $174 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,360
• Using more expensive low deductibles increases the price to $1,696
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,968
• An auto insurance policy to insure a teen driver with full coverage can cost as much as $5,214

View Chart as Image

Insurance prices for a Chevrolet Cruze also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles can reduce prices by up to $510 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,600 to $2,300 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Chevrolet Cruze insurance rates. A middle-age driver might find prices as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,840 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Best Cheap Chevrolet Cruze Insurance

Finding better rates on Chevrolet Cruze insurance consists of not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates at least every other year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a quick review of the car insurance concepts covered in the charts and tables above.

• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,610 more annually for Cruze insurance
• It is possible to save approximately $160 per year just by shopping early and online
• Increasing policy deductibles could save as much as $500 each year
• Drivers who want higher liability limits will pay an extra $490 annually to raise from 30/60 bodily injury limits 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.