Buy Cheap Chevrolet Cruze Auto Insurance in 2024
Average auto insurance rates for a Chevrolet Cruze cost $1,432 a year, or around $119 a month. Mature drivers with good driving records may find rates as low as $842 a year.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Nov 27, 2023
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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
Need help finding the best Chevrolet Cruze insurance rates? Full coverage for a Chevrolet Cruze costs around $1,432 a year or $119 each month. Multiple factors affect this rate, from drivers’ driving records to vehicles’ crash test ratings. Keep reading to learn more.
You can start comparing quotes for Chevrolet Cruze car insurance rates from some of the best car insurance companies by using our free online tool now.
Chevrolet Cruze Insurance Cost
The average Chevrolet Cruze car 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 Dodge Charger, Ford Fusion, and Lincoln MKZ.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Chevrolet Cruze | $308 | $594 | $372 | $1,432 |
| Dodge Charger | $376 | $626 | $466 | $1,668 |
| Ford Fusion | $336 | $626 | $372 | $1,492 |
| Lincoln MKZ | $320 | $686 | $450 | $1,636 |
| Nissan Sentra | $254 | $570 | $390 | $1,372 |
| Cadillac CTS | $320 | $626 | $398 | $1,502 |
| Toyota Corolla | $294 | $542 | $390 | $1,384 |
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 auto insurance coverage.
Age of the Vehicle
Older Chevrolet Cruze models generally cost less to insure. For example, car 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 |
Driver Age
Driver age can have a significant effect on the cost of Chevrolet Cruze car insurance. For example, 30-year-old drivers pay approximately $63 more for their Chevrolet Cruze car insurance than 40-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 $373 a year more than drivers in Chicago.
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 auto insurance rates are tied to the Chevrolet Cruze’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | N/R |
|---|---|
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | N/R |
| Head restraints and seats | N/R |
| Source: Insurance Institute for Highway Safety | |
Chevrolet Cruze Crash Test Ratings
Good Chevrolet Cruze crash test ratings can lower your Chevrolet Cruze auto insurance rates. See Chevrolet Cruze crash test results below:
| 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 | ||||
|---|---|---|---|---|
Chevrolet Cruze Safety Features
The Chevrolet Cruze safety features can help lower insurance costs. The 2020 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 auto insurance rates; higher percentages mean higher Chevrolet Cruze car insurance rates. The Chevrolet Cruze’s insurance loss probability varies for each form 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 | |
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 auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Chevrolet Cruze Insurance
Save more on your Chevrolet Cruze car insurance rates. Take a look at the following five strategies that will get you the best Chevrolet Cruze auto insurance rates possible.
- Choose Automatic Payments or EFT for Your Chevrolet Cruze Insurance Policy
- Buy a Dashcam for Your Chevrolet Cruze
- Check Your Chevrolet Cruze Policy Carefully to Ensure All Information is Correct
- If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
- Remove Unnecessary Insurance Once Your Chevrolet Cruze is Paid Off
Top Chevrolet Cruze Insurance Companies
The best auto insurance companies for Chevrolet Cruze car insurance rates will offer competitive rates, discounts, and account for the Chevrolet Cruze’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.
| 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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