Compare Chevrolet Cruze Car Insurance Rates [2024]
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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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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
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 |
However, there are a few things you can do to find the cheapest Chevrolet insurance rates online.
Read more:
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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 | |||
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
How much does Chevrolet Cruze car insurance cost?
On average, it costs $1,432 per year or $119 per month.
Are Chevrolet Cruzes expensive to insure?
Compared to similar sedans, Chevrolet Cruze insurance rates are reasonable.
What factors affect Chevrolet Cruze insurance cost?
Vehicle age, driver age, location, driving record, and safety features impact insurance rates.
How can I save money on Chevrolet Cruze insurance?
Maintain a clean record, bundle policies, qualify for discounts, and compare quotes from different companies.
Which insurance companies offer Chevrolet Cruze coverage?
Top companies include Allstate, State Farm, Geico, Progressive, and Liberty Mutual.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.