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. 

The average insurance rates for a Chevrolet Cruze are $1,360 a year including full coverage. Comprehensive insurance costs an estimated $248, collision costs $512, and liability coverage is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing $2,968 or more. Teenage drivers cost the most to insure at $5,214 a year or more.

Average premium for full coverage: $1,360

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Cruze models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates how rural and urban location affects insurance prices.

The examples above highlight why everyone should get quotes for a targeted area and risk profile, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $777
• Choosing higher $1,000 deductibles can save approximately $174 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,360
• Using pricier low deductibles for comp and collision coverage will cost an extra $336 each year
• Drivers who are prone to accidents and violations could pay up to $2,968 or more
• Policy cost for full coverage for a teenage driver for full coverage can cost as much as $5,214 each year

View Chart as Image

Insurance rates for a Chevrolet Cruze also range considerably based on your risk profile, the model of your Cruze, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $5,200 a year. View Rates by Age

Your home state 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 be forced to pay as much as $1,940 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $510 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,600 to $2,300 additional every year, depending on your age. Chevrolet Cruze insurance for high-risk drivers ranges around 44% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates will be varied from one company to the next.

How to Find More Affordable Chevrolet Cruze Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around every year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a summary of the coverage data raised in the charts and tables above.

• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $500 each year
• Teenagers are expensive to insure, with premiums being up to $435 each month including comprehensive and collision insurance
• Drivers who have multiple accidents or major violations may pay on average $1,610 more annually for car insurance

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.