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 $1,360 annually for full coverage insurance. Comprehensive costs approximately $248 each year, collision costs $512, and liability insurance is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers 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 by individual coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Cruze models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than larger metro areas.

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

The ranges above illustrate why all drivers should get quotes using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $777
• Choosing higher $1,000 deductibles can save $174 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,360
• Choosing low deductibles for comp and collision coverage will cost $1,696
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,968 or more
• The price with full coverage for a teen driver can cost $5,214 each year

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $510 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Chevrolet Cruze insurance rates. A good driver about age 40 could pay as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,840 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, so the prices may be quite different between companies.

How to Buy Affordable Chevrolet Cruze Insurance

Getting lower rates on Chevrolet Cruze insurance takes being a good driver, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to shop around every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a brief review of the information raised in the charts and tables above.

• It is possible to save around $160 per year simply by quoting online in advance
• Drivers age 16 to 20 are expensive to insure, as much as $435 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $500 each year
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,610 more per year than a safer driver
• Drivers who purchase an increased level of liability coverage will pay about $490 annually to raise limits from a low limit to higher 250/500 limits

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.