Chevrolet Cruze Insurance Rates
Estimated insurance rates for a Chevrolet Cruze are $1,362 a year for full coverage insurance. Comprehensive insurance costs on average $292, collision insurance costs $564, and liability coverage is $354. Liability-only insurance costs around $416 a year, and high-risk driver insurance costs $2,948 or more. Teenage drivers pay the most at up to $5,028 a year.
Average premium for full coverage: $1,362
Premium estimates by type of coverage:
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 $416 for just the minimum liability insurance to the much higher price of $2,948 for a policy for a high-risk driver.
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.
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.
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Recommended Companies for Cheap Chevrolet Cruze Insurance
Additional Rate Analysis
The chart below illustrates average Chevrolet Cruze insurance rates for different risk profiles and scenarios.
- The best discount rate is $777
- 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 $1,362
- Using pricier low deductibles will cost an extra $378 each year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,948
- An auto insurance policy for full coverage for a teenage driver for full coverage may cost $5,028
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 $5,000 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 $1,110 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,040 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,308 | -$54 | -4.0% |
| Alaska | $1,118 | -$244 | -17.9% |
| Arizona | $1,366 | $4 | 0.3% |
| Arkansas | $1,378 | $16 | 1.2% |
| California | $1,528 | $166 | 12.2% |
| Colorado | $1,414 | $52 | 3.8% |
| Connecticut | $1,784 | $422 | 31.0% |
| Delaware | $1,656 | $294 | 21.6% |
| Florida | $1,838 | $476 | 34.9% |
| Georgia | $1,350 | -$12 | -0.9% |
| Hawaii | $1,470 | $108 | 7.9% |
| Idaho | $946 | -$416 | -30.5% |
| Illinois | $1,012 | -$350 | -25.7% |
| Indiana | $968 | -$394 | -28.9% |
| Iowa | $1,024 | -$338 | -24.8% |
| Kansas | $1,250 | -$112 | -8.2% |
| Kentucky | $1,764 | $402 | 29.5% |
| Louisiana | $2,206 | $844 | 62.0% |
| Maine | $932 | -$430 | -31.6% |
| Maryland | $1,398 | $36 | 2.6% |
| Massachusetts | $1,200 | -$162 | -11.9% |
| Michigan | $2,504 | $1,142 | 83.8% |
| Minnesota | $1,194 | -$168 | -12.3% |
| Mississippi | $1,332 | -$30 | -2.2% |
| Missouri | $1,162 | -$200 | -14.7% |
| Montana | $1,234 | -$128 | -9.4% |
| Nebraska | $1,120 | -$242 | -17.8% |
| Nevada | $1,758 | $396 | 29.1% |
| New Hampshire | $1,110 | -$252 | -18.5% |
| New Jersey | $1,356 | -$6 | -0.4% |
| New Mexico | $1,264 | -$98 | -7.2% |
| New York | $1,770 | $408 | 30.0% |
| North Carolina | $966 | -$396 | -29.1% |
| North Dakota | $1,324 | -$38 | -2.8% |
| Ohio | $960 | -$402 | -29.5% |
| Oklahoma | $1,654 | $292 | 21.4% |
| Oregon | $1,274 | -$88 | -6.5% |
| Pennsylvania | $1,534 | $172 | 12.6% |
| Rhode Island | $1,650 | $288 | 21.1% |
| South Carolina | $1,268 | -$94 | -6.9% |
| South Dakota | $1,068 | -$294 | -21.6% |
| Tennessee | $1,222 | -$140 | -10.3% |
| Texas | $1,308 | -$54 | -4.0% |
| Utah | $1,206 | -$156 | -11.5% |
| Vermont | $968 | -$394 | -28.9% |
| Virginia | $978 | -$384 | -28.2% |
| Washington | $1,200 | -$162 | -11.9% |
| West Virginia | $1,386 | $24 | 1.8% |
| Wisconsin | $1,388 | $26 | 1.9% |
| Wyoming | $1,506 | $144 | 10.6% |
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 $318 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 $1,600 to $2,200 additional annually, depending on your age. Chevrolet Cruze insurance for high-risk drivers is expensive and can cost around 44% to 131% more than a normal policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Chevrolet Cruze | $292 | $564 | $354 | $1,362 |
| 2017 Chevrolet Cruze | $278 | $542 | $370 | $1,342 |
| 2016 Chevrolet Cruze | $268 | $538 | $378 | $1,336 |
| 2015 Chevrolet Cruze | $258 | $524 | $396 | $1,330 |
| 2014 Chevrolet Cruze | $250 | $502 | $408 | $1,312 |
| 2013 Chevrolet Cruze | $236 | $486 | $420 | $1,294 |
| 2012 Chevrolet Cruze | $226 | $450 | $428 | $1,256 |
| 2011 Chevrolet Cruze | $218 | $424 | $432 | $1,226 |
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 $419 per month including comprehensive and collision insurance
- Drivers with reckless driving or DUI convictions pay an average of $1,590 more each year than a safer driver
Compare Rates and Save
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Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,028 |
| 20 | $3,154 |
| 30 | $1,426 |
| 40 | $1,362 |
| 50 | $1,242 |
| 60 | $1,220 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,740 |
| $250 | $1,566 |
| $500 | $1,362 |
| $1,000 | $1,168 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,362 |
| 50/100 | $1,433 |
| 100/300 | $1,521 |
| 250/500 | $1,751 |
| 100 CSL | $1,468 |
| 300 CSL | $1,663 |
| 500 CSL | $1,805 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,184 |
| 20 | $5,014 |
| 30 | $3,020 |
| 40 | $2,948 |
| 50 | $2,814 |
| 60 | $2,786 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $71 |
| Homeowner | $19 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $65 |
| Advance Quote | $69 |
| Online Quote | $97 |
| Total Discounts | $585 |
Discounts are estimated and may not be available from every company or in every state.
