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. 

Average auto insurance rates for a Chevrolet Cruze are $1,360 annually including full coverage. Comprehensive costs an estimated $248 a year, collision costs $512, and liability insurance costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $2,968. Teenage drivers receive the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,360

Rate estimates broken down by individual coverage type:

Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Cruze trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on insurance prices.

These examples highlight why it is important to compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $777
• Drivers who choose higher $1,000 deductibles will pay approximately $1,186 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,360
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,696
• High risk drivers who are prone to accidents and violations could pay up to $2,968 or more
• The cost with full coverage for a teen driver can cost as much as $5,214 a year

View Chart as Image

Auto insurance rates for a Chevrolet Cruze can also vary considerably based on the trim level of your Cruze, your driving characteristics, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,600 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $510 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Chevrolet Cruze insurance rates. 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

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

How to Buy the Best Chevrolet Cruze Insurance

Saving money on Chevrolet Cruze insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below is a brief recap of the data covered in the above illustrations.

• Drivers who want higher levels of liability will pay an extra $490 per year to go from a minimum limit to higher 250/500 limits
• You may be able to save approximately $160 per year simply by quoting early and online
• Increasing deductibles could save up to $500 each year
• Teenage drivers are the costliest to insure, as much as $435 per month if full coverage is included

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.