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 rates for a Chevrolet Cruze are $1,360 a year including full coverage. Comprehensive insurance costs on average $248 each year, collision costs $512, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $2,968 or more. 16-year-old drivers pay the most at $5,214 a year or more.

Average premium for full coverage: $1,360

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Cruze models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

These rate differences highlight why all drivers should compare prices based on a specific location and risk profile, rather than using rate averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Chevrolet Cruze insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $777
• Using higher $1,000 deductibles will save around $174 every year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,360
• Buying low deductibles for physical damage coverage will cost an extra $336 each year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,968 or more
• An auto insurance policy for full coverage for a teenage driver may cost $5,214 or more

View Chart as Image

Insurance prices for a Chevrolet Cruze also have a wide range based on your driving characteristics, the model of your Cruze, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay upwards of $5,200 a year. View Rates by Age

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 $1,040 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,940 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $510 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers can be around 44% to 131% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, so the prices will be substantially different from one company to the next.

How to Find the Best Chevrolet Cruze Insurance

Finding better rates on auto insurance requires being a low-risk driver, maintaining good credit, refrain from filing small claims, and bundling your home and auto policies. Take the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief recap of the data covered in the above illustrations.

• Consumers who require more liability coverage will pay around $490 per year to increase from 30/60 bodily injury limits to 250/500 limits
• You may be able to save as much as $160 per year simply by quoting online in advance
• Increasing policy deductibles can save around $500 each year
• Teen drivers pay the highest prices, with the cost nearing $435 per month for full coverage

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.