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 prices for a Chevrolet Cruze are $1,360 every 12 months for full coverage. Comprehensive insurance costs an estimated $248 a year, collision insurance costs $512, and liability is $442. A liability-only policy costs around $496 a year, and high-risk insurance 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 broken down by type of insurance:

Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Cruze trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than congested cities. The diagram below illustrates how geographic area affects insurance prices.

The examples above show why it is important to compare rates quotes for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

More Rate Information

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

• The best full coverage rate is $777
• Raising to $1,000 deductibles will save approximately $1,186 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,360
• Buying low $100 deductibles costs an extra $336 annually
• Drivers with multiple tickets or accidents could pay up to $2,968
• Policy cost to insure a 16-year-old driver can cost as much as $5,214

View Chart as Image

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

Opting for high physical damage deductibles can reduce rates by up to $510 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers 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 were responsible for an accident, you could be paying $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 131% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Chevrolet Cruze insurance prices. A middle-age driver might find rates as low as $900 a year in states like Iowa, Maine, and Idaho, or at least $1,940 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for the Best Cheap Chevrolet Cruze Insurance

Finding cheaper rates on insurance for a Chevrolet Cruze consists of not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates at every other renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.

The following is a quick review of the concepts that were presented in the illustrations above.

• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,610 more annually for Cruze insurance
• Teens have the highest car insurance rates, costing up to $435 each month if the policy includes full coverage
• Drivers can save approximately $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Drivers can save approximately $160 per year just by quoting 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.