Are Chevrolet Cruzes Expensive to Insure?

Chevrolet Cruze insurance rates cost $1,432 a year, or $119 a month on average. A liability-only policy costs around $574 a year or $48 each month. Chevrolet Cruze insurance costs around $87 less per year than the average vehicle. Good drivers can save up to $590 a year by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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Key takeaways:

  • Full coverage costs around $1,432 a year or $119 each month
  • A liability-only policy costs around $574 a year or $48 each month
  • Highest rates are for teenage drivers at around $5,234 a year or $436 each month
  • Good drivers can save as much as $590 a year by earning policy discounts
  • Chevrolet Cruze insurance costs around $87 less per year than the average vehicle

Chevrolet Cruze insurance rates are less than $125 per month. You can pay as low as $48 per month for Chevrolet Cruze insurance rates. Continue reading to learn how you can save money on Chevrolet Cruze insurance rates for teen drivers.

You can start comparing quotes for Chevrolet Cruze insurance rates from some of the best auto insurance companies by using our free online tool now.

Chevrolet Cruze Insurance Cost

The average Chevrolet Cruze auto insurance costs are $1,432 a year or $119 a month.

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Are Chevrolet Cruzes Expensive to Insure?

The chart below details how Chevrolet Cruze insurance rates compare to other sedans like the Ford Taurus, Chevrolet Malibu, and Subaru WRX.

Vehicle Comprehensive Collision Liability Total
Chevrolet Cruze $308 $594 $372 $1,432
Ford Taurus $344 $596 $398 $1,496
Chevrolet Malibu $322 $532 $372 $1,384
Subaru WRX $320 $566 $338 $1,360
Ford Fusion $336 $626 $372 $1,492
MINI Hardtop 4 Door $294 $566 $398 $1,416
Hyundai Sonata $294 $532 $420 $1,426
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However, there are a few things you can do to find the cheapest Chevrolet insurance rates online.

What Impacts the Cost of Chevrolet Cruze Insurance?

The Chevrolet Cruze trim and model you choose can impact the total price you will pay for Chevrolet Cruze insurance coverage.

Age of the Vehicle

The average Chevrolet Cruze auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Chevrolet Cruze costs $1,432, while 2011 Chevrolet Cruze insurance costs are $1,192, a difference of $240.

Model Year Comprehensive Collision Liability Total
2020 Chevrolet Cruze $308 $594 $372 $1,432
2019 Chevrolet Cruze $294 $570 $390 $1,412
2018 Chevrolet Cruze $282 $566 $398 $1,404
2017 Chevrolet Cruze $272 $552 $416 $1,398
2016 Chevrolet Cruze $262 $530 $430 $1,380
2015 Chevrolet Cruze $248 $512 $442 $1,360
2014 Chevrolet Cruze $238 $474 $452 $1,322
2013 Chevrolet Cruze $230 $446 $456 $1,290
2012 Chevrolet Cruze $220 $400 $460 $1,238
2011 Chevrolet Cruze $206 $368 $460 $1,192
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Driver Age

Driver age can have a significant effect on Chevrolet Cruze insurance rates. For example, 20-year-old drivers pay $1,751 more for their Chevrolet Cruze auto insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Chevrolet Cruze insurance rates. For example, drivers in New York may pay $874 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Chevrolet Cruze auto insurance. Teens and drivers in their 20’s see the highest jump in their Chevrolet Cruze auto insurance rates with violations on their driving record.

Chevrolet Cruze Safety Ratings

Your Chevrolet Cruze insurance rates are tied to the safety ratings of the Chevrolet Cruze. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front G
Side G
Roof strength Not Tested
Head restraints and seats Not tested
Source: Insurance Institute for Highway Safety
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Chevrolet Cruze Crash Test Ratings

Good Chevrolet Cruze crash test ratings mean the VW is safer, which could mean cheaper Chevrolet Cruze insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2019 Chevrolet Cruze 5 HB FWD 5 stars 5 stars 5 stars 4 stars
2019 Chevrolet Cruze 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2018 Chevrolet Cruze 5 DR FWD 5 stars 5 stars 4 stars 4 stars
2018 Chevrolet Cruze 4 DR FWD 5 stars 5 stars 4 stars 4 stars
2017 Chevrolet Cruze 5 DR FWD Later Release 5 stars 5 stars 4 stars 4 stars
2017 Chevrolet Cruze 5 DR FWD Early Release 4 stars 5 stars 4 stars 4 stars
2017 Chevrolet Cruze 4 DR FWD Later Release 5 stars 5 stars 4 stars 4 stars
2017 Chevrolet Cruze 4 DR FWD Early Release 4 stars 5 stars 4 stars 4 stars
2016 Chevrolet Cruze Limited 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2016 Chevrolet Cruze 4 DR FWD 4 stars 5 stars 4 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Chevrolet Cruze Safety Features

The safety features of the Chevrolet Cruze can impact your Chevrolet Cruze insurance rates. The Chevrolet Cruze has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Electronic Stability Control
  • Daytime Running Lights
  • Traction Control

Chevrolet Cruze Insurance Loss Probability

The lower percentage means lower Chevrolet Cruze insurance rates; higher percentages mean higher Chevrolet Cruze auto insurance rates. Insurance loss probability on the Chevrolet Cruze fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision -4%
Property Damage 32%
Comprehensive -13%
Personal Injury 36%
Medical Payment 53%
Bodily Injury 52%
Source: Insurance Institute for Highway Safety
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Chevrolet Cruze Finance and Insurance Cost

If you are financing a Chevrolet Cruze, you will pay more if you purchase Chevrolet Cruze auto insurance at the dealership, so be sure to shop around and compare Chevrolet Cruze insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Chevrolet Cruze Insurance

If you want to reduce the cost of your Chevrolet Cruze insurance rates, follow these tips below:

  • Take Advantage of Referral Fees
  • Ask for a Higher Deductible for Your Chevrolet Cruze Insurance Policy
  • Buy a Chevrolet Cruze with an Anti-Theft Device
  • Ask About Chevrolet Cruze Safety Discounts
  • Park Your Chevrolet Cruze Somewhere Safe – like a Garage or Private Driveway

Top Chevrolet Cruze Insurance Companies

Who is the best company for Chevrolet Cruze insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Chevrolet Cruze insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Chevrolet Cruze offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Chevrolet Cruze Insurance Quotes Online

You can start comparing quotes for Chevrolet Cruze insurance rates from some of the top auto insurance companies by using our free online tool today.

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