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. 

U.S. average auto insurance rates for a Chevrolet Cruze are $1,322 annually for full coverage. Comprehensive costs approximately $238, collision costs $474, and liability coverage costs around $452. Liability-only insurance costs as low as $504 a year, with high-risk driver insurance costing around $2,882. 16-year-old drivers pay the highest rates at $5,094 a year or more.

Average premium for full coverage: $1,322

Price estimates by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all Cruze models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural locations have fewer accident claims than congested cities.

The example below illustrates how location impacts auto insurance prices.

The ranges above show why everyone should compare prices using their specific location and their own personal driving habits, rather than using rate averages.

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

Rate Comparisons

The chart below shows estimated Chevrolet Cruze insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $760
• Using higher $1,000 deductibles will save $160 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,322
• Buying pricier low deductibles for physical damage coverage will cost $1,638
• Higher-risk drivers with multiple tickets or accidents could pay around $2,882 or more
• The price with full coverage for a teenage driver for full coverage can cost $5,094 or more

View Chart as Image

Car insurance prices for a Chevrolet Cruze are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,600 to $2,200 extra each year, depending on your age. Chevrolet Cruze insurance for high-risk drivers can be around 43% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $480 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Chevrolet Cruze insurance rates. A driver around age 40 might see prices as low as $870 a year in states like Iowa, Maine, and Idaho, or at least $1,890 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes may be quite different between companies.

How to Buy More Affordable Chevrolet Cruze Insurance

Getting lower rates on auto insurance requires being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Spend time shopping around once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a summary of the data that was touched on above.

• Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
• Consumers who purchase more liability coverage will pay around $500 each year to increase from a low limit to higher 250/500 limits
• Teen drivers pay the highest auto insurance prices, with premiums as much as $425 a month if comprehensive and collision insurance is included
• Drivers who have multiple accidents or major violations pay on average $1,560 more per year to insure their Cruze

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.