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 insurance rates for a Chevrolet Cruze are $1,360 a year for full coverage. Comprehensive costs around $248 each year, collision costs $512, and liability insurance costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing around $2,968. Teen drivers pay the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,360

Price estimates for individual coverage:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Cruze models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than larger metro areas.

The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above show why all drivers should compare rates for a specific zip code, rather than relying on price averages.

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

Additional Rate Details

The chart below shows estimated Chevrolet Cruze insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $777
• Drivers who choose higher $1,000 deductibles will pay about $174 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,360
• Choosing low deductibles for comprehensive and collision insurance bumps up the cost to $1,696
• High risk drivers with multiple violations and an at-fault accident could pay at least $2,968 or more
• The price that insures a teen driver can be $5,214 a year

View Chart as Image

Car insurance prices for a Chevrolet Cruze are also quite variable based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,600 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $5,200 a year. View Rates by Age

The state you live in makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,940 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $510 each year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so rate quotes may be quite different.

How to Find Low Cost Chevrolet Cruze Insurance

Getting lower rates on Chevrolet Cruze insurance not only requires having a good driving record, but also having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Shop around every time your policy renews by obtaining price quotes from direct carriers, and also from several local insurance agents.

The next list is a review of the information presented in the illustrations above.

• Drivers can save up to $160 per year simply by quoting online in advance
• Drivers age 20 and younger are the costliest to insure, with premiums as much as $435 a month if full coverage is purchased
• Increasing physical damage deductibles can save approximately $500 each year
• High-risk drivers who have several accidents or serious violations pay on average $1,610 more every year to buy Chevrolet Cruze insurance
• Drivers who may need increased levels of liability coverage will pay about $490 each year to go from a low limit to the 250/500 level

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.