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. 

The average insurance rates for a Chevrolet Cruze are $1,380 a year for full coverage. Comprehensive insurance costs around $262 each year, collision insurance costs $530, and liability insurance is estimated at $430. Buying just liability costs approximately $486 a year, and insurance for high-risk drivers costs $3,006 or more. Teenage drivers cost the most to insure at up to $5,246 a year.

Average premium for full coverage: $1,380

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and Cruze models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.

The examples above show why all drivers should get quotes for a specific zip code and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $789
• Choosing higher $1,000 deductibles can save about $178 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,380
• Using low deductibles for comp and collision coverage will cost an extra $352 a year
• High-risk insureds who are prone to accidents and violations could pay at least $3,006
• Policy cost for full coverage for a teen driver can be $5,246 each year

View Chart as Image

Insurance rates for a Chevrolet Cruze also range considerably based on your risk profile, the trim level of your Cruze, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Chevrolet Cruze insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $530 each year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $387 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 137% more than a normal policy. View High Risk Driver Rates

How to Find Low Cost Chevrolet Cruze Insurance

Finding cheaper rates on Chevrolet Cruze insurance takes avoiding accidents and violations, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop at every other renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a review of the concepts that were touched on in the above illustrations.

• High-risk drivers who have several accidents or serious violations may be required to pay an average of $1,630 more every year for car insurance
• Teenagers pay higher rates, costing up to $437 each month for full coverage
• Drivers can save up to $170 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers can save up to $170 per year just by quoting online in advance

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.