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 $1,380 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $262, collision costs $530, and liability insurance costs around $430. A liability-only policy costs as low as $486 a year, with high-risk insurance costing $3,006 or more. Teenage drivers pay the most at $5,246 a year or more.

Average premium for full coverage: $1,380

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different Cruze trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than relying on average rates.

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 best discount rate is $789
• Using higher $1,000 deductibles will save $178 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,380
• Using more expensive low deductibles for physical damage coverage costs an extra $352 a year
• Drivers who are prone to accidents and violations could pay around $3,006 or more
• An auto insurance policy to insure a teen driver with full coverage can cost $5,246 or more

View Chart as Image

Auto insurance prices for a Chevrolet Cruze also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Cruze.

Using high physical damage deductibles could cut prices by as much as $530 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $387 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 137% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Chevrolet Cruze insurance rates. A driver around age 40 might see prices as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,860 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

How to Shop for More Affordable Chevrolet Cruze Insurance

Finding better rates on Chevrolet Cruze insurance requires being a good driver, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to compare rates every year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following list is a summary of the coverage data presented in the illustrations above.

• It is possible to save around $170 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $525 each year
• Drivers age 16 to 20 have the highest car insurance prices, with premiums being up to $437 per month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,630 more per year than a safer 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.