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 insurance. Comprehensive costs approximately $248, collision insurance costs $512, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, and high-risk driver insurance costs around $2,968. 16-year-old drivers pay the highest rates at up to $5,214 a year.

Average premium for full coverage: $1,360

Price estimates by individual coverage:

Includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Cruze models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than congested cities. The example below illustrates how geographic area affects auto insurance prices.

The ranges above illustrate why everyone should get quotes using their specific location and risk profile, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $777
• Choosing higher $1,000 deductibles can save $174 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,360
• Buying pricier low deductibles for comp and collision coverage will increase the cost to $1,696
• Unlucky drivers with multiple tickets or accidents could pay around $2,968
• The price for full coverage for a teen driver for full coverage can cost $5,214 each year

View Chart as Image

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

A more mature driver with no driving violations and high deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles can save as much as $510 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 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

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,300 extra each year, depending on your age. Chevrolet Cruze insurance for high-risk drivers ranges as much as 44% to 131% more than the average rate. View High Risk Driver Rates

How to Find the Cheapest Chevrolet Cruze Insurance

Getting lower rates on car insurance takes being a low-risk driver, having above-average credit, not filing small claims, and attention to physical damage deductibles. Invest the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a recap of the information presented in the illustrations above.

• It is possible to save around $160 per year just by quoting online well ahead of the renewal date
• Teen drivers pay the highest auto insurance prices, as much as $435 a month if full coverage is included
• Increasing physical damage deductibles can save around $500 each year
• Higher risk drivers that have major violations or accidents may pay on average $1,610 more per year to insure their Cruze
• Policyholders who purchase more liability coverage will pay around $490 annually to raise limits from a low limit to 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.