Best Chevrolet Cruze Car Insurance Quotes (2024)
Chevrolet Cruze car insurance rates are $119/mo on average or $1,432/yr. A liability-only policy costs around $574/yr or $48/mo. However, the model and trim you choose may affect these rates. Good drivers can save up to $574 a year on Chevrolet Cruze car insurance costs by earning discounts on their policy.
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Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Nov 27, 2023
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 compare car insurance so you can find affordable Chevrolet Cruze car 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
How much is insurance on a 2017 Chevy Cruze?
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.
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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 Car 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.
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Frequently Asked Questions
What is the average cost of Chevrolet Cruze car insurance?
The average cost of Chevrolet Cruze car insurance is $1,432 per year or $119 per month for full coverage. Liability-only coverage costs around $574 per year or $48 per month.
Are Chevrolet Cruzes expensive to insure?
Chevrolet Cruzes are not expensive to insure. On average, they are about $87 less expensive annually than the average vehicle in the U.S.
What factors impact the cost of Chevrolet Cruze insurance?
The factors that can impact the cost of Chevrolet Cruze insurance include the age of the vehicle, driver age, driver location, driving record, and the Chevrolet Cruze model and trim.
How can I save on Chevrolet Cruze insurance?
You can save on Chevrolet Cruze insurance by comparing quotes from different providers, keeping a clean driving record, taking advantage of available discounts, and opting for higher deductibles.
What are some of the top Chevrolet Cruze car insurance companies?
Some of the top Chevrolet Cruze car insurance companies include State Farm, GEICO, Allstate, Nationwide, and Progressive.
How can I get free Chevrolet Cruze car insurance quotes?
You can get free Chevrolet Cruze car insurance quotes by using an online car insurance comparison tool like the one provided by Expert Insurance Reviews.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.