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 $1,360 annually for full coverage insurance. Comprehensive insurance costs approximately $248, collision insurance costs $512, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs $2,968 or more. Teen drivers receive the highest rates at up to $5,214 a year.

Average premium for full coverage: $1,360

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different Cruze trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than using price averages.

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

Rates by State, City, and Model

The chart below illustrates average Chevrolet Cruze insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $777
• Drivers who choose higher $1,000 deductibles will pay $174 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,360
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $336 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,968
• The cost with full coverage for a teenage driver with full coverage can cost $5,214 a year

View Chart as Image

Insurance rates for a Chevrolet Cruze can also vary considerably based on the trim level of your Cruze, your risk profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,300 extra per year, depending on your age. High-risk driver insurance can cost around 44% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $510 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more per 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 $890 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,840 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy Affordable Chevrolet Cruze Insurance

Saving money on auto insurance not only requires having a decent driving record, but also having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every other policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following items are a brief review of the ideas that were raised in the charts and tables above.

• 16 to 18-year-old drivers are expensive to insure, costing up to $435 per month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,610 more per year than a driver with a clean driving record
• Increasing deductibles could save up to $500 each year
• It is possible to save around $160 per year just 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.