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. 

Estimated insurance prices for a Chevrolet Cruze are $1,360 every 12 months including full coverage. Comprehensive costs an estimated $248 a year, collision costs $512, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $2,968. Teen drivers pay the most at $5,214 a year or more.

Average premium for full coverage: $1,360

Premium estimates broken down by type of coverage:

Includes $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Cruze trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on insurance prices.

These rate differences highlight why it is important to compare prices for a targeted area and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $777
• Using higher $1,000 deductibles will save approximately $1,186 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,360
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,696
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,968 or more
• An auto insurance policy to insure a 16-year-old driver can cost as much as $5,214 or more

View Chart as Image

Insurance prices for a Chevrolet Cruze also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $510 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,600 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can be from 44% to 131% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Chevrolet Cruze insurance prices. A driver around age 40 might see prices as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,940 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and prices will be substantially different.

How to Shop for the Cheapest Chevrolet Cruze Insurance

Finding better rates on insurance for a Chevrolet Cruze requires being safe and accident-free, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Take the time to compare rates once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.

Below you'll find a recap of the data that was covered in the above illustrations.

• You may be able to save approximately $160 per year simply by quoting early and online
• Insureds who want more liability protection will pay about $490 per year to increase from 30/60 bodily injury limits to a 250/500 level
• Youthful drivers are expensive to insure, with the cost nearing $435 per month if full coverage is included
• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,610 more annually than a low-risk driver

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.