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Chevrolet Cruze Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 30, 2020

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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 $1,412 a year for full coverage insurance. Comprehensive insurance costs on average $294, collision insurance costs $570, and liability coverage is $390. Liability-only insurance costs around $452 a year, and high-risk driver insurance costs $3,066 or more. Teenage drivers pay the most at up to $5,266 a year.

Average premium for full coverage: $1,412

Premium estimates by type of coverage:

Comprehensive $294
Collision $570
Liability $390

Prices include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Cruze models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Chevrolet Cruze range from as low as $452 for just the minimum liability insurance to the much higher price of $3,066 for a policy for a high-risk driver.

Liability Only $452
Full Coverage $1,412
High Risk $3,066

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $1,059
Small Cities $1,483
Large Cities $1,906

These rate differences illustrate why everyone should compare rates quotes based on a specific location and risk profile, rather than using average rates.

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 Analysis

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

  • The best discount rate is $808
  • Raising to $1,000 deductibles will save around $194 each year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,412
  • Using pricier low deductibles will cost an extra $384 each year
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $3,066
  • An auto insurance policy for full coverage for a teenage driver for full coverage may cost $5,266

View Chart as Image

Chevrolet Cruze insurance cost comparison chart
Column chart showing Chevrolet Cruze insurance prices range from $808 to $5,266 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.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared 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 rates. A middle-age driver might find prices as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,910 on average in Michigan, New York, and Florida.

Chevrolet Cruze Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,278 -$134 -9.5%
Alaska $1,084 -$328 -23.2%
Arizona $1,174 -$238 -16.9%
Arkansas $1,412 -$0 0.0%
California $1,608 $196 13.9%
Colorado $1,350 -$62 -4.4%
Connecticut $1,452 $40 2.8%
Delaware $1,600 $188 13.3%
Florida $1,768 $356 25.2%
Georgia $1,306 -$106 -7.5%
Hawaii $1,014 -$398 -28.2%
Idaho $954 -$458 -32.4%
Illinois $1,052 -$360 -25.5%
Indiana $1,064 -$348 -24.6%
Iowa $954 -$458 -32.4%
Kansas $1,342 -$70 -5.0%
Kentucky $1,926 $514 36.4%
Louisiana $2,092 $680 48.2%
Maine $872 -$540 -38.2%
Maryland $1,166 -$246 -17.4%
Massachusetts $1,130 -$282 -20.0%
Michigan $2,456 $1,044 73.9%
Minnesota $1,182 -$230 -16.3%
Mississippi $1,692 $280 19.8%
Missouri $1,252 -$160 -11.3%
Montana $1,518 $106 7.5%
Nebraska $1,116 -$296 -21.0%
Nevada $1,694 $282 20.0%
New Hampshire $1,018 -$394 -27.9%
New Jersey $1,580 $168 11.9%
New Mexico $1,252 -$160 -11.3%
New York $1,490 $78 5.5%
North Carolina $812 -$600 -42.5%
North Dakota $1,158 -$254 -18.0%
Ohio $976 -$436 -30.9%
Oklahoma $1,452 $40 2.8%
Oregon $1,296 -$116 -8.2%
Pennsylvania $1,348 -$64 -4.5%
Rhode Island $1,886 $474 33.6%
South Carolina $1,282 -$130 -9.2%
South Dakota $1,192 -$220 -15.6%
Tennessee $1,238 -$174 -12.3%
Texas $1,704 $292 20.7%
Utah $1,046 -$366 -25.9%
Vermont $966 -$446 -31.6%
Virginia $846 -$566 -40.1%
Washington $1,090 -$322 -22.8%
West Virginia $1,296 -$116 -8.2%
Wisconsin $980 -$432 -30.6%
Wyoming $1,260 -$152 -10.8%

View Chart as Image

Chevrolet Cruze insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $580 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $351 more each 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 $1,700 to $2,300 additional annually, depending on your age. Chevrolet Cruze insurance for high-risk drivers is expensive and can cost around 44% to 134% more than a normal policy. View High Risk Driver Rates

Chevrolet Cruze Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Chevrolet Cruze $294 $570 $390 $1,412
2019 Chevrolet Cruze $282 $566 $398 $1,404
2018 Chevrolet Cruze $272 $552 $416 $1,398
2017 Chevrolet Cruze $262 $530 $430 $1,380
2016 Chevrolet Cruze $248 $512 $442 $1,360
2015 Chevrolet Cruze $238 $474 $452 $1,322
2014 Chevrolet Cruze $230 $446 $456 $1,290
2013 Chevrolet Cruze $220 $400 $460 $1,238
2012 Chevrolet Cruze $206 $368 $460 $1,192
2011 Chevrolet Cruze $198 $346 $464 $1,166

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 auto insurance consists of being a good driver, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to shop around every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a quick rundown of the coverage data raised in the charts and tables above.

  • It is possible to save as much as $170 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $575 each year
  • Drivers age 16 to 20 pay higher prices, with premiums being up to $439 per month including comprehensive and collision insurance
  • Drivers with reckless driving or DUI convictions pay an average of $1,650 more each year than a safer driver

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 $5,266
20 $3,278
30 $1,474
40 $1,412
50 $1,292
60 $1,266

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Cruze Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,796
$250 $1,618
$500 $1,412
$1,000 $1,218

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Cruze Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,412
50/100 $1,490
100/300 $1,588
250/500 $1,841
100 CSL $1,529
300 CSL $1,744
500 CSL $1,900

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Cruze Insurance Rates for High Risk Drivers
Age Premium
16 $7,520
20 $5,218
30 $3,134
40 $3,066
50 $2,926
60 $2,902

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 $199

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $74
Homeowner $20
5-yr Accident Free $106
5-yr Claim Free $92
Paid in Full/EFT $66
Advance Quote $71
Online Quote $100
Total Discounts $604
Rate after discounts $808

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

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