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How to Find Cheap Chevrolet Cruze Insurance Quotes

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 cost $119 per month for full coverage and $48 per month for liability-only coverage. Read more to learn how you can save money on Chevrolet Cruze insurance rates.

You can start comparing quotes for Chevrolet Cruze auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Table of Contents

Chevrolet Cruze Insurance Cost

The average auto insurance rates for a Chevrolet Cruze cost $1,432 a year or $119 a month.

Are Chevrolet Cruzes Expensive to Insure?

The chart below details how Chevrolet Cruze insurance rates compare to other sedans like the Toyota Avalon, Volkswagen Passat, and Nissan Versa.

Vehicle Comprehensive Collision Liability Total
Chevrolet Cruze $308 $594 $372 $1,432
Toyota Avalon $320 $536 $338 $1,330
Volkswagen Passat $332 $600 $390 $1,480
Nissan Versa $268 $542 $390 $1,358
Ford Focus $244 $536 $398 $1,336
Audi A3 $282 $566 $398 $1,404
Toyota Camry $294 $570 $390 $1,412
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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, auto 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 as much as $1,814 more each year for their Chevrolet Cruze auto 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 Los Angeles may pay $1,232 a year more than drivers in Indianapolis.

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 Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front G
Side G
Roof strength Not Tested
Head restraints and seats Not Tested
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 crash ratings also mean cheaper Chevrolet Cruze auto 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

Most drivers don’t realize that not only do Chevrolet Cruze safety features play a vital role in keeping passengers safe in crashes, but they can also help lower 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

The lower percentage means lower Chevrolet Cruze auto insurance costs; higher percentages mean higher Chevrolet Cruze auto insurance costs. Compare the following Chevrolet Cruze auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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.

5 Ways to Save on Chevrolet Cruze Insurance

You have more options at your disposal to save money on your Chevrolet Cruze auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Chevrolet Cruze auto insurance rates

  • Compare Apples to Apples When Comparing Chevrolet Cruze Insurance Rates and Policies
  • Reduce Modifications on Your Chevrolet Cruze
  • Understand the Different Types of Auto Insurance for Your Chevrolet Cruze
  • Choose a Chevrolet Cruze with Cheaper Repair Costs
  • Ask About a Student Away from Home Discount

Top Chevrolet Cruze Insurance Companies

Several top auto insurance companies offer competitive rates for the Chevrolet Cruze rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Chevrolet Cruze drivers organized by 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

You can start comparing quotes for Chevrolet Cruze auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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