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 auto insurance rates for a Chevrolet Cruze are $1,360 annually including full coverage. Comprehensive costs an estimated $248, collision insurance costs $512, and liability costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs around $2,968. Teenage drivers cost the most to insure at up to $5,214 a year.

Average premium for full coverage: $1,360

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Cruze trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $777
• Drivers who choose higher $1,000 deductibles will pay approximately $174 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,360
• Using more expensive low deductibles for comprehensive and collision insurance will cost $1,696
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,968
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $5,214 a year

View Chart as Image

Car insurance rates for a Chevrolet Cruze also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost as much as 44% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $510 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Chevrolet Cruze insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,940 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy Affordable Chevrolet Cruze Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to compare rates once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief review of the data that was covered in the above illustrations.

• You may be able to save approximately $160 per year just by shopping early and online
• Policyholders who want increased liability limits will pay an extra $490 per year to go from a 30/60 limit to higher 250/500 limits
• Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $435 each month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,610 more annually to insure a Chevrolet Cruze

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.