Chevrolet Cruze Insurance Rates
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UPDATED: Mar 29, 2024
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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 prices for a Chevrolet Cruze are $1,360 every 12 months with full coverage. Comprehensive insurance costs approximately $248, collision costs $512, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing $2,968 or more. Teenage drivers pay the most at $5,214 a year or more.
Average premium for full coverage: $1,360
Premium estimates by type of coverage:
Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different Cruze trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Chevrolet Cruze go from the cheapest price of $496 for just liability insurance to a much higher rate of $2,968 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than densely populated cities.
The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of 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.
More Rate Details
The chart below details estimated Chevrolet Cruze insurance rates for additional coverage and risk scenarios.
- The best discount rate is $777
- Choosing higher $1,000 deductibles can save $174 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,360
- Using more expensive low deductibles for comp and collision coverage costs an extra $336 every year
- Unlucky drivers who are prone to accidents and violations could pay around $2,968 or more
- An auto insurance policy to insure a teen driver with full coverage can cost $5,214 each year
Insurance prices for a Chevrolet Cruze also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your Cruze.
Using high physical damage deductibles can save as much as $510 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,300 extra annually, depending on your age. High-risk driver insurance ranges as much as 44% to 131% more than a normal policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Chevrolet Cruze insurance prices. A good driver about age 40 could pay as low as $980 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,840 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Chevrolet Cruze | $248 | $512 | $442 | $1,360 |
| 2019 Chevrolet Cruze | $238 | $474 | $452 | $1,322 |
| 2018 Chevrolet Cruze | $230 | $446 | $456 | $1,290 |
| 2017 Chevrolet Cruze | $220 | $400 | $460 | $1,238 |
| 2016 Chevrolet Cruze | $206 | $368 | $460 | $1,192 |
| 2015 Chevrolet Cruze | $198 | $346 | $464 | $1,166 |
| 2014 Chevrolet Cruze | $194 | $322 | $474 | $1,148 |
| 2013 Chevrolet Cruze | $180 | $300 | $474 | $1,112 |
| 2012 Chevrolet Cruze | $174 | $272 | $478 | $1,082 |
| 2011 Chevrolet Cruze | $162 | $248 | $474 | $1,042 |
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 Shop for the Right Chevrolet Cruze Insurance
Finding better rates on car insurance takes being a good driver, having good credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates at every other renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The following list is a quick rundown of the concepts that were covered above.
- Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,610 more per year than a safer driver
- Drivers age 16 to 20 are expensive to insure, possibly costing $435 per month if they have full coverage
- You may be able to save around $160 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $500 each year
- You may be able to save around $160 per year simply 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.
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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.
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,696 |
| $250 | $1,540 |
| $500 | $1,360 |
| $1,000 | $1,186 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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