How Much are Chevrolet Cruze Insurance Rates?

If you want to buy Chevrolet Cruze auto insurance coverage online then a policy will cost $119 per month ($1,432 per year) on average. Finding Chevrolet Cruze teenager insurance rates can cost on average $5,234 a year, so shop around to find cheap coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 22, 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

If you want to know more information on Chevrolet Cruze car insurance rates, you’ve come to the right place. Drivers spend an average of $119 per month or $1,432 every year on Chevrolet Cruze rates, but good drivers can save up to $590 a year on policy discounts. Read through this informative guide to learn everything you’d want to know about Chevrolet Cruze insurance rates.

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 rates 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 MINI Hardtop 4 Door, Lincoln MKZ, and Mazda 3.

Vehicle Comprehensive Collision Liability Total
Chevrolet Cruze $308 $594 $372 $1,432
MINI Hardtop 4 Door $294 $566 $398 $1,416
Lincoln MKZ $320 $686 $450 $1,636
Mazda 3 $308 $562 $372 $1,400
Ford Focus $244 $536 $398 $1,336
Chevrolet Blazer $376 $688 $316 $1,516
Hyundai Elantra $280 $562 $372 $1,372
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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?

Even though the average annual rate for the Chevrolet Cruze is $1,432, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Chevrolet Cruze.

Age of the Vehicle

The average Chevrolet Cruze car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Chevrolet Cruze are $1,432, while 2011 Chevrolet Cruze rates 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 impact on the cost of Chevrolet Cruze auto insurance. For example, 20-year-old drivers pay approximately $1,751 each year for their Chevrolet Cruze auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Chevrolet Cruze insurance rates. For example, drivers in Los Angeles may pay $205 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on the cost of Chevrolet Cruze car insurance. 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 Safety Ratings

Your Chevrolet Cruze auto insurance rates are influenced by the Chevrolet Cruze’s safety ratings. See the breakdown below:

Test Type Rating
Moderate overlap front Good
Side Good
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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Chevrolet Cruze Crash Test Ratings

Not only do good Chevrolet Cruze crash test ratings mean you are better protected in a crash, but good Chevrolet Cruze crash ratings also mean cheaper 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 more safety features you have on your Chevrolet Cruze, the more likely it is that you can earn a discount. 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

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
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Chevrolet Cruze Finance and Insurance Cost

If you are financing a Chevrolet Cruze, most lenders will require your carry higher Chevrolet Cruze coverage options including comprehensive coverage, so be sure to shop around and compare Chevrolet Cruze auto insurance rates 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.

  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Don’t Skimp On Chevrolet Cruze Liability Coverage
  • Bundle Your Chevrolet Cruze Auto Insurance with Home Insurance
  • Ask About Loyalty Discounts
  • Improve Your Credit Score

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
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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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