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 $1,380 a year with full coverage. Comprehensive insurance costs an estimated $262, collision insurance costs $530, and liability costs $430. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs $3,006 or more. Teen drivers pay the most at up to $5,246 a year.

Average premium for full coverage: $1,380

Premium estimates broken down by type of coverage:

Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different Cruze trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how location helps determine insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below details average Chevrolet Cruze insurance rates for other coverage scenarios.

• The lowest rate with discounts is $789
• Drivers who choose higher $1,000 deductibles will pay approximately $178 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,380
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $352 annually
• Drivers with multiple violations and an at-fault accident could pay up to $3,006
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $5,246 a year

View Chart as Image

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

An older driver with no violations or accidents and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Chevrolet Cruze insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,860 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $530 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $387 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,700 to $2,300 additional annually, depending on your age. High-risk driver insurance can cost from 44% to 137% more than average. View High Risk Driver Rates

How to Find Cheaper Chevrolet Cruze Insurance

Finding better rates on insurance for a Chevrolet Cruze not only requires not taking risks behind the wheel, but also having a good credit history, being claim-free, and possibly raising deductibles. Invest time comparing rates every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a condensed summary of the ideas that were covered in the charts and tables above.

• Teens are expensive to insure, possibly costing $437 per month including comprehensive and collision insurance
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,630 more annually for Cruze insurance
• Increasing policy deductibles can save around $525 each year
• You may be able to save approximately $170 per year just by shopping early and online

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.