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Online Chevrolet Cruze Insurance Rates [Everything You Need to Know]

The cost of Chevrolet Cruze car insurance rates are $1,432 a year, or around $119 a month on average. Good drivers can save as much as $2,208 a year over higher risk drivers.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 18, 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 about $87 less pricey annually than the average vehicle in the U.S. Full coverage for the Cruze is about $1,432 a year or $119 a month, but you can get liability-only for older vehicles for just $574 a year or $48 a month. Good drivers can be eligible for up to $590 a year in discounts for remaining safe and courteous on the road. Let’s look at Chevrolet Cruze insurance rates, crash test ratings, and 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 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 Subaru WRX, Ford Focus, and MINI Hardtop 4 Door.

Vehicle Comprehensive Collision Liability Total
Chevrolet Cruze $308 $594 $372 $1,432
Subaru WRX $320 $566 $338 $1,360
Ford Focus $244 $536 $398 $1,336
MINI Hardtop 4 Door $294 $566 $398 $1,416
Lincoln MKZ $320 $686 $450 $1,636
Dodge Charger $376 $626 $466 $1,668
Mazda 3 $308 $562 $372 $1,400

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

Older Chevrolet Cruze models generally cost less to insure. 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

Driver Age

Driver age can have a significant impact on Chevrolet Cruze auto insurance rates. For instance, a 30-year-old driver may pay $63 more each year for Chevrolet Cruze auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Chevrolet Cruze insurance rates. For example, drivers in Los Angeles may pay $1,232 a year more than drivers in Indianapolis.

Your Driving Record

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

Chevrolet Cruze Crash Test Ratings

Poor Chevrolet Cruze crash test ratings could mean higher Chevrolet Cruze car 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

Chevrolet Cruze Safety Features

The Chevrolet Cruze safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Chevrolet Cruze auto insurance rates. The Chevrolet Cruze’s safety features include:

  • 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

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

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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Chevrolet Cruze Insurance

There are many ways that you can save on Chevrolet Cruze car insurance. Below are five actions you can take to find cheap Chevrolet Cruze auto insurance rates.

  • Consider Chevrolet Cruze Insurance Costs Before Buying a Chevrolet Cruze
  • Remove Unnecessary Insurance Once Your Chevrolet Cruze is Paid Off
  • Make Sure You Use an Accredited Driver Safety Program
  • Avoid the Temptation to File a Claim for Minor Incidents
  • Re-Check Chevrolet Cruze Quotes Every 6 Months

Top Chevrolet Cruze Insurance Companies

Who is the top auto insurance 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 auto 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

Compare Free Chevrolet Cruze Insurance Quotes Online

To start comparing Chevrolet Cruze car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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