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Chevrolet Cruze Car Insurance Cost

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Are you looking for a new or used Chevrolet Cruze? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Chevrolet Cruze car insurance facts

  • Average full coverage auto insurance premium: $113/month

  • Most affordable companies: GEICO ($71/month) & USAA ($74/month)

  • Cruze car insurance cost vs. average rates: $62 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Chevy Cruze by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Below average Chevrolet Cruze insurer costs by state:

How much does it cost to insure my Chevrolet Cruze?

Select the year of your car:

2021 Chevrolet Cruze

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Average Cost to Insure Per Year

$1,359

List Price

$19,600

Trims Available

L Manual - LS Manual - LS Auto - LT Manual - LT Auto - Premier Auto - LT Diesel Manual - LT Diesel Auto - Engine: 1.4-liter inline-four turbocharger with 153 hp with Chevy Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2020 Chevrolet Cruze

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Average Cost to Insure Per Year

$1,213

List Price

$18,000

Trims Available

L Manual - LS Manual - LS Auto - LT Manual - LT Auto - Premier Auto - LT Diesel Manual - LT Diesel Auto - Engine: 1.4-liter inline-four turbocharger with 153 hp with Chevy Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2019 Chevrolet Cruze

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Average Cost to Insure Per Year

$1,162

List Price

$17,995

Trims Available

L Manual - LS Manual - LS Auto - LT Manual - LT Auto - Premier Auto - LT Diesel Manual - LT Diesel Auto - Engine: 1.4-liter inline-four turbocharger with 153 hp with Chevy Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2018 Chevrolet Cruze

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Average Cost to Insure Per Year

$1,104

List Price

$16,975

Trims Available

L Manual - LS Manual - LS Auto - LT Manual - LT Auto - Premier Auto - LT Diesel Manual - LT Diesel Auto

2017 Chevrolet Cruze

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Average Cost to Insure Per Year

$1,116

List Price

$16,975

Trims Available

L Manual - LS Manual - LS Auto - LT Manual - LT Auto - Premier Auto - LT Diesel Manual - LT Diesel Auto

2016 Chevrolet Cruze

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Average Cost to Insure Per Year

$1,281

List Price

$16,620

Trims Available

L Manual - LS Manual - LS Auto - LT Manual - LT Auto - Premier

2015 Chevrolet Cruze

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Average Cost to Insure Per Year

$1,037

List Price

$16,170

Trims Available

L Manual - LS Manual - LS Auto - 1LT Manual - 1LT Auto - ECO Manual - ECO Auto - 2LT Auto - LTZ Auto - Diesel Automatic

2014 Chevrolet Cruze

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Average Cost to Insure Per Year

$958

List Price

$17,520

Trims Available

LS Manual - LS Auto - 1LT Manual - LT Fleet - 1LT Auto - ECO Manual - ECO Auto - 2LT Manual - 2LT Auto - LTZ Auto - Diesel

2013 Chevrolet Cruze

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Average Cost to Insure Per Year

$915

List Price

$17,130

Trims Available

LS Manual - LS Auto - 1LT Manual - LT Fleet - 1LT Auto - ECO Manual - ECO Auto - 2LT Manual - 2LT Auto - LTZ Auto

2012 Chevrolet Cruze

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Average Cost to Insure Per Year

$885

List Price

$16,800

Trims Available

LS - LT Fleet - LT - ECO - LTZ

2011 Chevrolet Cruze

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Average Cost to Insure Per Year

$895

List Price

$16,525

Trims Available

LS - LT Fleet - ECO - LT - LTZ

Risk factors affecting Chevrolet Cruze car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Chevy Cruze car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Chevrolet models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Chevrolet automobile brand

Chevrolet or referred to as Chevy, is a vehicle brand of General Motors specializing in popular, affordable cars for the United States market. The target market of Chevy is middle-class customers and the more affluent for higher-end models such as Cadillac. Chevrolet focuses on high quality, advanced technology, creative designs, and affordability. All Chevrolet automobiles have high safety ratings, with many of their cars getting "Top Safety Pick" and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Chevrolet Corvette, Tahoe, Silverado, and Suburban are some of their most popular vehicles.

Higher than average Chevy Cruze repair costs equal higher car insurance rates

Many consumers are attracted to Chevrolet's creative designs, increased fuel efficiency, and driver-assist technologies, like Chevy's Enhanced Driver Alert Package. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Chevrolet is higher than average since repair parts are slightly more expensive. For this reason, many Chevrolets are going to have higher than average car insurance rates to similar cars in their class.

Rapid depreciation for Chevrolet Cruze affecting auto policies

Another factor to consider for Chevrolets is rapid depreciation, affecting auto insurance rates. As your vehicle's value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Chevy models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn't fully cover your repair cost.

High IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Chevrolets are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as the Driver Alert Technology Package, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Chevrolet models. The Chevrolet Equinox, Cruze, and Bolt EV are the Insurance Institute for Highway Safety (IIHS) "Top Safety Picks," and the NHTSA consistently gives Chevy automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Chevrolet automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

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