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 $1,360 a year for full coverage. Comprehensive insurance costs around $248 a year, collision insurance costs $512, and liability coverage is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs $2,968 or more. 16-year-old drivers cost the most to insure at up to $5,214 a year.

Average premium for full coverage: $1,360

Policy rates for type of insurance:

Rates are based on $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Cruze trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than congested cities. The diagram below illustrates the difference location can make on auto insurance rates.

The examples above show why it is important to get quotes for a specific zip code, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $777
• Choosing higher $1,000 deductibles can save about $1,186 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,360
• Buying low $100 deductibles for comp and collision coverage will cost an additional $336 each year
• Drivers with multiple tickets or accidents could pay at least $2,968
• Policy cost that insures a teenage driver can be $5,214 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,600 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy ranges around 44% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared 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 $900 a year in states like Idaho, Maine, and Iowa, or at least $1,940 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $510 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Chevrolet Cruze Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every year by quoting rates from direct carriers, and also from several local insurance agents.

The next list is a quick review of the coverage data touched on in this article.

• Drivers can save up to $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Drivers age 20 and younger are charged the highest rates, costing up to $435 each month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation pay on average $1,610 more every year to buy Chevrolet Cruze 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.