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 insurance prices for a Chevrolet Cruze are $1,360 every 12 months for full coverage insurance. Comprehensive costs on average $248 each year, collision insurance costs $512, and liability costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs around $2,968. Teens 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 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Cruze models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These examples illustrate why all drivers should compare prices based on a specific location and their own driving history, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $777
• Using higher $1,000 deductibles will save around $174 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,360
• Selecting low deductibles for physical damage coverage increases the price to $1,696
• Drivers with serious driving violations could pay upwards of $2,968
• The cost to insure a teen driver may cost $5,214 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 131% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Chevrolet Cruze insurance prices. A driver around age 40 might see rates as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,840 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for Affordable Chevrolet Cruze Insurance

Saving money on car insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Set aside time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief review of the data covered above.

• Policyholders who require more liability protection will pay approximately $490 annually to increase from a minimum limit to a 250/500 level
• It is possible to save as much as $160 per year just by quoting online in advance
• Increasing deductibles could save as much as $500 each year
• Youthful drivers pay the highest rates, costing up to $435 per month if they have full coverage

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.