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. 

Average auto insurance rates for a Chevrolet Cruze are $1,322 annually with full coverage. Comprehensive costs an estimated $238 a year, collision costs $474, and liability coverage costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing around $2,882. Teen drivers receive the highest rates at $5,094 a year or more.

Average premium for full coverage: $1,322

Rate estimates broken down by individual coverage type:

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Cruze trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. More rural locations tend to have fewer collision claims than larger metro areas.

The diagram below illustrates how location impacts insurance prices.

These examples demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

The chart below details estimated Chevrolet Cruze insurance rates for other coverage scenarios.

• The lowest rate with discounts is $760
• Drivers who choose higher $1,000 deductibles will pay approximately $1,162 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,322
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,638
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,882 or more
• The cost with full coverage for a teenage driver can cost as much as $5,094 a year

View Chart as Image

Auto insurance rates for a Chevrolet Cruze can also vary considerably based on the trim level of your Cruze, your driving record, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $480 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,790 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out which company is cheapest is to get quotes and see how they stack up. Every company uses a different rate calculation, and quoted rates can be significantly different between companies.

How to Buy Low Cost Chevrolet Cruze Insurance

Saving money on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

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

• Teens are the costliest to insure, with premiums as much as $425 per month if full coverage is included
• Drivers who have several accidents or serious violations pay on average $1,560 more annually for Cruze insurance
• Increasing deductibles could save up to $475 each year
• You may be able to save approximately $160 per year simply by quoting 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.