Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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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 also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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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. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Chevrolet Cruze insurer costs by state:

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.

2021 Chevrolet Cruze

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1603
Acuity$1749
Allstate$1375
American Family$1053
Erie$948
GEICO$862
Kentucky Farm Bureau$1502
Liberty Mutual$1006
Mercury$1250
Nationwide$1448
Progressive$988
State Farm$1329
Tennessee Farmers$1137
Texas Farm Bureau$1255
The Hanover$1558
Travelers$1402
USAA$919

Compare all 2021 Chevrolet Cruze rates

Average Cost to Insure Per Year

$1359

List Price

$19600

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1530
Allstate$1287
American Family$1002
Erie$880
Farmers$1444
GEICO$821
Liberty Mutual$971
Mercury$1120
Nationwide$1403
Progressive$927
State Farm$1249
Tennessee Farmers$1053
Texas Farm Bureau$1164
The Hanover$1489
Travelers$1326
USAA$846

Compare all 2020 Chevrolet Cruze rates

Average Cost to Insure Per Year

$1213

List Price

$18000

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1529
Allstate$1140
American Family$975
Erie$879
GEICO$812
Kentucky Farm Bureau$1429
Liberty Mutual$936
Mercury$1062
Nationwide$1326
Progressive$925
State Farm$1130
Tennessee Farmers$1040
Texas Farm Bureau$1127
The Hanover$1460
Travelers$1249
USAA$835

Compare all 2019 Chevrolet Cruze rates

Average Cost to Insure Per Year

$1162

List Price

$17995

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1257
Acuity$ 1257
Allied$ 1236
Allied$ 1236
American Family$ 1213
American Family$ 1213
Country$ 1307
Country$ 1307
Erie$ 808
Erie$ 808
GEICO$ 739
GEICO$ 739
Nationwide$ 1139
Nationwide$ 1139
Plymouth Rock Insurance$ 1236
Plymouth Rock Insurance$ 1236
Progressive$ 760
Progressive$ 760
State Farm$ 980
State Farm$ 980
USAA$ 826
USAA$ 826
Vermont Mutual$ 1190
Vermont Mutual$ 1190

Compare all 2018 Chevrolet Cruze rates

Average Cost to Insure Per Year

$ 1104

List Price

$ 16975

Trims Available

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

2017 Chevrolet Cruze

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1238
Acuity$ 1238
American Family$ 1239
American Family$ 1239
Erie$ 854
Erie$ 854
GEICO$ 892
GEICO$ 892
Nationwide$ 1225
Nationwide$ 1225
Plymouth Rock Insurance$ 1191
Plymouth Rock Insurance$ 1191
Progressive$ 855
Progressive$ 855
State Farm$ 1075
State Farm$ 1075
Tennessee Farmers$ 1150
Tennessee Farmers$ 1150
Texas Farm Bureau$ 804
Texas Farm Bureau$ 804
USAA$ 857
USAA$ 857
Vermont Mutual$ 1127
Vermont Mutual$ 1127

Compare all 2017 Chevrolet Cruze rates

Average Cost to Insure Per Year

$ 1116

List Price

$ 16975

Trims Available

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

2016 Chevrolet Cruze

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1118
Acuity$ 1118
American Family$ 1218
American Family$ 1218
Arbella$ 1159
Arbella$ 1159
Country$ 1169
Country$ 1169
Erie$ 904
Erie$ 904
GEICO$ 1197
GEICO$ 1197
Plymouth Rock Insurance$ 1177
Plymouth Rock Insurance$ 1177
Progressive$ 1249
Progressive$ 1249
Tennessee Farmers$ 975
Tennessee Farmers$ 975
Texas Farm Bureau$ 907
Texas Farm Bureau$ 907
USAA$ 997
USAA$ 997
Vermont Mutual$ 964
Vermont Mutual$ 964

Compare all 2016 Chevrolet Cruze rates

Average Cost to Insure Per Year

$ 1281

List Price

$ 16620

Trims Available

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

2015 Chevrolet Cruze

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1124
Acuity$ 1124
American Family$ 1115
American Family$ 1115
Country$ 1166
Country$ 1166
Erie$ 662
Erie$ 662
GEICO$ 655
GEICO$ 655
Plymouth Rock Insurance$ 1149
Plymouth Rock Insurance$ 1149
Progressive$ 803
Progressive$ 803
State Farm$ 957
State Farm$ 957
Tennessee Farmers$ 994
Tennessee Farmers$ 994
Texas Farm Bureau$ 961
Texas Farm Bureau$ 961
USAA$ 771
USAA$ 771
Vermont Mutual$ 951
Vermont Mutual$ 951

Compare all 2015 Chevrolet Cruze rates

Average Cost to Insure Per Year

$ 1037

List Price

$ 16170

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1026
Acuity$ 1026
American Family$ 1073
American Family$ 1073
Country$ 1102
Country$ 1102
Erie$ 663
Erie$ 663
GEICO$ 650
GEICO$ 650
Plymouth Rock Insurance$ 1118
Plymouth Rock Insurance$ 1118
Progressive$ 816
Progressive$ 816
State Farm$ 883
State Farm$ 883
Tennessee Farmers$ 947
Tennessee Farmers$ 947
Texas Farm Bureau$ 773
Texas Farm Bureau$ 773
USAA$ 763
USAA$ 763
Vermont Mutual$ 867
Vermont Mutual$ 867

Compare all 2014 Chevrolet Cruze rates

Average Cost to Insure Per Year

$ 958

List Price

$ 17520

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1061
Acuity$ 1061
American Family$ 1039
American Family$ 1039
Arbella$ 1069
Arbella$ 1069
Erie$ 641
Erie$ 641
GEICO$ 554
GEICO$ 554
Plymouth Rock Insurance$ 1084
Plymouth Rock Insurance$ 1084
Progressive$ 755
Progressive$ 755
State Farm$ 868
State Farm$ 868
Tennessee Farmers$ 938
Tennessee Farmers$ 938
Texas Farm Bureau$ 764
Texas Farm Bureau$ 764
USAA$ 704
USAA$ 704
Vermont Mutual$ 853
Vermont Mutual$ 853

Compare all 2013 Chevrolet Cruze rates

Average Cost to Insure Per Year

$ 915

List Price

$ 17130

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 996
Acuity$ 996
American Family$ 1031
American Family$ 1031
Arbella$ 1051
Arbella$ 1051
Erie$ 629
Erie$ 629
GEICO$ 546
GEICO$ 546
Plymouth Rock Insurance$ 1059
Plymouth Rock Insurance$ 1059
Progressive$ 739
Progressive$ 739
State Farm$ 822
State Farm$ 822
Tennessee Farmers$ 904
Tennessee Farmers$ 904
Texas Farm Bureau$ 730
Texas Farm Bureau$ 730
USAA$ 724
USAA$ 724
Vermont Mutual$ 782
Vermont Mutual$ 782

Compare all 2012 Chevrolet Cruze rates

Average Cost to Insure Per Year

$ 885

List Price

$ 16800

Trims Available

LS - LT Fleet - LT - ECO - LTZ

2011 Chevrolet Cruze

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1022
American Family$ 1022
Arbella$ 924
Arbella$ 924
Country$ 1038
Country$ 1038
Erie$ 640
Erie$ 640
GEICO$ 588
GEICO$ 588
Plymouth Rock Insurance$ 1027
Plymouth Rock Insurance$ 1027
Progressive$ 761
Progressive$ 761
State Farm$ 855
State Farm$ 855
Tennessee Farmers$ 879
Tennessee Farmers$ 879
Texas Farm Bureau$ 729
Texas Farm Bureau$ 729
USAA$ 701
USAA$ 701
Vermont Mutual$ 735
Vermont Mutual$ 735

Compare all 2011 Chevrolet Cruze rates

Average Cost to Insure Per Year

$ 895

List Price

$ 16525

Trims Available

LS - LT Fleet - ECO - LT - LTZ