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 including full coverage. Comprehensive insurance costs around $248 each year, collision insurance costs $512, and liability insurance costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs $2,968 or more. Teen drivers pay the highest rates at up to $5,214 a year.

Average premium for full coverage: $1,360

Price estimates for individual coverage:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Cruze models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance rates.

The ranges above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

Rate Comparisons

The chart below breaks down average Chevrolet Cruze insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $777
• Using higher $1,000 deductibles will save about $174 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,360
• Choosing low deductibles for physical damage coverage costs an additional $336 a year
• Drivers with multiple violations and an at-fault accident could pay at least $2,968
• The price with full coverage for a teen driver can be $5,214 or more

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $5,200 a year. View Rates by Age

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

Choosing high deductibles could cut prices by as much as $510 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury 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

The state you live in 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 as much as $1,940 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Buy the Best Cheap Chevrolet Cruze Insurance

Getting lower rates on Chevrolet Cruze insurance requires avoiding accidents and violations, having a good credit score, being claim-free, and consideration of higher deductibles. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a quick review of the data that was covered in the charts and tables above.

• You may be able to save up to $160 per year just by quoting online in advance
• Drivers who may need higher liability limits will pay about $490 per year to increase from a low limit to higher 250/500 limits
• Teenagers are the costliest to insure, possibly costing $435 a month if comprehensive and collision insurance is included
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,610 more every year for car insurance

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.