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

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 31, 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

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
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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 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
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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
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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
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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
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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 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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Compare Free Chevrolet Cruze Insurance Quotes Online

Save on your Chevrolet Cruze car insurance rates by taking advantage of our FREE comparison tool.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
0
0
0
0
2014
5
5
5
5
2013
5
5
5
5
2012
5
5
5
5
2011
5
5
5
5

Crash Avoidence Features

Forward Collision Auto Brake

Not Available

Lane Departure Warning

Not Available

Land Departure Prevention

Not Available

Blind Spot Detection

Optional

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