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. 

Estimated insurance rates for a Chevrolet Cruze are $1,360 a year including full coverage. Comprehensive insurance costs an estimated $248, collision insurance costs $512, and liability insurance is estimated at $442. A policy with only liability insurance costs approximately $496 a year, and a high-risk policy 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 broken down by type of coverage:

Prices are based on $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Cruze models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts insurance prices.

These rate differences highlight why everyone should get quotes for a targeted area and risk profile, rather than relying on price averages.

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

Additional Charts and Tables

The chart below breaks down average Chevrolet Cruze insurance rates for other coverage scenarios.

• The lowest rate with discounts is $777
• Choosing higher $1,000 deductibles can save approximately $174 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,360
• Choosing pricier low deductibles for comp and collision coverage will cost an extra $336 a year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,968
• An auto insurance policy for full coverage for a teen driver for full coverage can cost as much as $5,214 each year

View Chart as Image

Car insurance prices for a Chevrolet Cruze also have a wide range based on your driving characteristics, the model of your Cruze, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $5,200 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Chevrolet Cruze insurance rates. A good driver about age 40 could pay as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,940 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $510 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,600 to $2,300 extra annually, depending on your age. Chevrolet Cruze insurance for high-risk drivers ranges anywhere from 44% to 131% more than average. View High Risk Driver Rates

How to Find Affordable Chevrolet Cruze Insurance

Finding better rates on Chevrolet Cruze insurance takes having a good driving record, having above-average credit, refrain from filing small claims, and possibly higher deductibles. Spend time shopping around at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief review of the data touched on above.

• Drivers who want increased levels of liability coverage will pay about $490 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
• You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $500 each year
• Drivers age 20 and younger have the highest car insurance prices, with the cost nearing $435 per month if full coverage is included

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.