Chevrolet Cruze Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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 rates for a Chevrolet Cruze are $1,360 a year for full coverage insurance. Comprehensive insurance costs on average $248 a year, collision insurance costs $512, and liability is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs $2,968 or more. Teen drivers pay the most at up to $5,214 a year.

Average premium for full coverage: $1,360

Premium estimates by type of coverage:

Comprehensive $248
Collision $512
Liability $442

Prices include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Cruze trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Chevrolet Cruze range from as low as $496 for minimum levels of liability insurance to a high of $2,968 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $1,360
High Risk $2,968

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects car insurance rates.

Rural Areas $1,020
Small Cities $1,428
Large Cities $1,836

These rate differences illustrate why it is important to compare rates quotes based on a specific location and risk profile, instead of making a decision based on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Details

The chart below illustrates average Chevrolet Cruze insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $777
  • Raising to $1,000 deductibles will save around $1,186 each year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,360
  • Choosing low $100 deductibles will cost an extra $336 annually
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,968
  • An auto insurance policy for full coverage for a 16-year-old driver may cost $5,214

View Chart as Image

Chevrolet Cruze insurance cost comparison chart
Column chart showing Chevrolet Cruze insurance prices range from $777 to $5,214 for full coverage

Insurance prices for a Chevrolet Cruze also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay upwards of $5,200 a year. View Rates by Age

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

Chevrolet Cruze Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,230 -$130 -9.6%
Alaska $1,044 -$316 -23.2%
Arizona $1,130 -$230 -16.9%
Arkansas $1,360 -$0 0.0%
California $1,548 $188 13.8%
Colorado $1,300 -$60 -4.4%
Connecticut $1,400 $40 2.9%
Delaware $1,538 $178 13.1%
Florida $1,700 $340 25.0%
Georgia $1,256 -$104 -7.6%
Hawaii $976 -$384 -28.2%
Idaho $920 -$440 -32.4%
Illinois $1,012 -$348 -25.6%
Indiana $1,026 -$334 -24.6%
Iowa $918 -$442 -32.5%
Kansas $1,294 -$66 -4.9%
Kentucky $1,856 $496 36.5%
Louisiana $2,014 $654 48.1%
Maine $840 -$520 -38.2%
Maryland $1,122 -$238 -17.5%
Massachusetts $1,088 -$272 -20.0%
Michigan $2,364 $1,004 73.8%
Minnesota $1,138 -$222 -16.3%
Mississippi $1,630 $270 19.9%
Missouri $1,206 -$154 -11.3%
Montana $1,462 $102 7.5%
Nebraska $1,072 -$288 -21.2%
Nevada $1,630 $270 19.9%
New Hampshire $978 -$382 -28.1%
New Jersey $1,522 $162 11.9%
New Mexico $1,204 -$156 -11.5%
New York $1,434 $74 5.4%
North Carolina $782 -$578 -42.5%
North Dakota $1,114 -$246 -18.1%
Ohio $940 -$420 -30.9%
Oklahoma $1,396 $36 2.6%
Oregon $1,246 -$114 -8.4%
Pennsylvania $1,298 -$62 -4.6%
Rhode Island $1,816 $456 33.5%
South Carolina $1,230 -$130 -9.6%
South Dakota $1,150 -$210 -15.4%
Tennessee $1,194 -$166 -12.2%
Texas $1,638 $278 20.4%
Utah $1,008 -$352 -25.9%
Vermont $932 -$428 -31.5%
Virginia $814 -$546 -40.1%
Washington $1,052 -$308 -22.6%
West Virginia $1,246 -$114 -8.4%
Wisconsin $942 -$418 -30.7%
Wyoming $1,214 -$146 -10.7%

View Chart as Image

Chevrolet Cruze insurance rates by U.S. city

Choosing high deductibles can reduce prices by up to $510 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 131% more than average. View High Risk Driver Rates

Chevrolet Cruze Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Chevrolet Cruze $248 $512 $442 $1,360
2017 Chevrolet Cruze $230 $446 $456 $1,290
2016 Chevrolet Cruze $220 $400 $460 $1,238
2015 Chevrolet Cruze $206 $368 $460 $1,192
2014 Chevrolet Cruze $198 $346 $464 $1,166
2013 Chevrolet Cruze $194 $322 $474 $1,148
2012 Chevrolet Cruze $180 $300 $474 $1,112
2011 Chevrolet Cruze $174 $272 $478 $1,082

Rates are averaged for all Chevrolet Cruze models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Right Chevrolet Cruze Insurance

Finding better rates on insurance for a Chevrolet Cruze consists of being a safe and courteous driver, maintaining good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Invest the time to compare rates once a year by getting price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a quick rundown of the data that was presented in the illustrations above.

  • It is possible to save as much as $160 per year just by quoting early and online
  • Insureds who require higher levels of liability will pay about $490 annually to raise from 30/60 bodily injury limits to 250/500 limits
  • Teenage drivers pay the highest prices, with premiums being up to $435 per month for full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,610 more each year for auto insurance

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.

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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:

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

Rates by Driver Age

Chevrolet Cruze Insurance Rates by Driver Age
Driver Age Premium
16 $5,214
20 $3,174
30 $1,412
40 $1,360
50 $1,244
60 $1,222

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Cruze Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,696
$250 $1,540
$500 $1,360
$1,000 $1,186

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Cruze Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,360
50/100 $1,448
100/300 $1,559
250/500 $1,846
100 CSL $1,493
300 CSL $1,736
500 CSL $1,913

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Cruze Insurance Rates for High Risk Drivers
Age Premium
16 $7,430
20 $5,064
30 $3,024
40 $2,968
50 $2,836
60 $2,812

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $101
5-yr Claim Free $89
Paid in Full/EFT $62
Advance Quote $68
Online Quote $96
Total Discounts $583
Rate after discounts $777

Discounts are estimated and may not be available from every company or in every state.

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