Chevrolet Cruze Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Chevrolet Cruze costs more than most other cars to insure.

• Liability auto insurance for a Cruze comes in at about $95 monthly, while full coverage normally tends to be around $183.

• Hugo is the lowest car insurance carrier for a Cruze.

Cruze Overview

The Chevrolet Cruze is a great budget-friendly option for any driver, with 2019 models starting at $17,995. There are five different trim levels currently offered, so there's something there for every driver.

We analyzed thousands of insurance quotes on Compare.com, and we've found that Chevrolet Cruze auto insurance premiums are about $175 per month, on average. How do car insurance rates for the Cruze stack up against other similar cars?

How Much is Car Insurance for a Chevrolet Cruze?

You'll see in the table above that compared to other vehicles, Chevrolet Cruze insurance prices are right around average. On average, Cruze drivers will pay about $183 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $95 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

Compared to other models, the Cruze is more expensive, with rates around 11% higher than other vehicles in Chevrolet's lineup. Likewise, compared to other vehicles of a similar body style, Cruze coverage is higher than average, with both full coverage and liability only insurance averaging more expensive prices than other cars.

When compared to all vehicles, regardless of make, model, or body style, the Cruze has more expensive premiums than average for both liability only and full coverage insurance.

Who has the Cheapest Car Insurance for a Chevrolet Cruze?

In the market for an auto insurance policy for your Chevrolet Cruze? You're likely interested in which company offers the lowest prices. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $36 per month from CaliforniaCasualty. The next most affordable carrier is Aspire, who offers auto insurance as little as just $43 monthly.

Completing the top 5 companies are Horace Mann, MetroMile, and Verti. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Car insurance carriers use lots of different things and complex formulas to calculate premiums. By getting quotes from a whole bunch of car insurance companies at once, you can guarantee you're finding the cheapest rate.

What Factors Affect Car Insurance Rates for a Chevrolet Cruze?

There are an array of variables that insurance carriers look at to decide how much to charge for car insurance -- and every company weighs different attributes more heavily than others, so there's not just one carrier that's the lowest for everyone.

Here are just a few of the factors car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Chevrolet has been making the Cruze for quite some time -- and that means the car's age may play a role in how much you'll pay for insurance. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Cruzes begin to depreciate, insurance costs will gradually go lower.

As you can see in the table above, the Chevrolet Cruze bucks the trend, as the most expensive models to insure are those that are 8 to 10 years old, while the cheapest Cruzes are 2 to 3 years old, on average.

Your Age

How old you are plays a big role in how much you pay for auto insurance. In the table above, you'll see that those with more experience on the road pay less than young drivers. Chevrolet Cruze drivers under 18 actually pay $52 more than those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group for Cruze drivers being 65 years and older.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they are less likely to file a claim with insurance. So, women tend to pay less for car insurance than men. The Chevrolet Cruze follows this convention, and men pay about $98 a month for insurance, while women pay around $93.

Where You Live

You may already know that things such as how old you are and what vehicle you drive play a role in your auto insurance rates, but you may not realize that where you live can be just as important. Since insurance is regulated on the state level rather than nationally, prices differ quite a bit from state to state.

For example, the average Chevrolet Cruze owner from New York pays about $194 per month for liability coverage, while on average, the same Californian driver will pay less than 50% of that price. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change between states.

Chevrolet Cruze Car Insurance Discounts

No matter which car you drive, how old you are, or what state you call home, it's always the smart move to take advantage of as many car insurance discounts as possible.

Even though all auto insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Pay-in-full discounts for agreeing to pay your entire policy premium at once, rather than in monthly installments
• Multi-policy discounts for using the same insurance company for both your home and auto insurance
• Multi-vehicle discounts for adding more than one car to your auto policy
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution

While discounts are always a good way to save money on your insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

Although you can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), there is quite bit in your control. Below are just a few of the ones you can use in your favor when it comes to saving some cash:

Your Driving Record

It's no secret that auto insurance carriers offer the most affordable premiums to drivers with clean records. It checks out that your car insurance prices will get higher if you get into a collision or get cited for speeding. But exactly how much can it cost you for these infractions?

As you can see, accidents will usually cost Cruze drivers more than tickets, but both will result in higher than average rates. Chevrolet Cruze drivers with one accident on their record pay an average of $112 every month (up $17 from the $95/mo. overall average), while drivers with a single ticket will pay about $100 monthly. The rates only go higher the more tickets you get or accidents you have.

How Much You Drive

The total distance you drive annually plays a role in your auto insurance rates. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll usually end up spending less on insurance. In the above table, you can see that Chevrolet Cruze owners who drive fewer than 2,500 miles each year pay an average of $88 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $90.

But if you don't drive much because have a second vehicle or you work from home, you might consider a usage-based or pay-per-mile insurance policy. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Chevrolet Cruzes Compare to Other Vehicles?

If you're considering buying a new vehicle and a Chevrolet Cruze is on your shortlist, you might want to know how it compares to other vehicles. Insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth considering carefully.

Visit the table below to see how the Chevrolet Cruze stacks up:

With an MSRP that's less than half of the going rate for a new vehicle, the Chevrolet Cruze is a great value for any budget. While the average vehicle price in the U.S. is $46,099, the Cruze goes for just $17,995.

Unlike the Cruze's lower price, car insurance premiums run above average when compared to other vehicles on the market. Full coverage insurance for a Chevrolet Cruze is around $58 per month more than average, while liability only coverage is per month.

When it comes to usage, Chevrolet Cruze owners drive more miles annually than the national average, with 11,660 miles a year for all vehicles compared to the Cruze's 13,273 per year.

Chevrolet Cruze Car Insurance Costs by Model Year

We've gone over many of the factors that can affect how much the average driver pays to insure a Chevrolet Cruze. If you're considering buying a new Cruze, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your options.

So we've crunched the numbers and broken down Chevrolet Cruze auto insurance prices by model year. Find the model year you want in the dropdown to see average rates for both liability only and full coverage options, as well as some other helpful info, such as which trim levels are offered, the base MSRP, and who offers the cheapest policies for each Cruze model year.

2019 Chevrolet Cruze Car Insurance

You can expect full coverage for a 2019 Cruze to run about $227 monthly, while liability only coverage will average around $138 per month.

If you're looking for the lowest possible 2019 Chevrolet Cruze insurance policy, Clearcover offered the lowest policy we found, with rates as cheap as just $19 monthly.

Want something more accurate than national averages? Just enter your ZIP code below to get several free personalized quotes.

2018 Chevrolet Cruze Car Insurance

2018 Chevrolet Cruze drivers can expect to pay an average of $94 a month for liability or $194 for full coverage.

Hugo has rates as cheap as $18 per month for the 2018 Chevrolet Cruze.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2017 Chevrolet Cruze Car Insurance

It costs about $98 monthly for liability or $202 for a full coverage policy for the 2017 Cruze.

With premiums as low as just $23 a month, Clearcover offered the cheapest policy we found for the 2017 Chevrolet Cruze.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

2016 Chevrolet Cruze Car Insurance

The average cost to insure a 2016 Chevrolet Cruze with liability only coverage is $103 monthly, while full coverage runs around $187 per month.

With prices as low as $18 a month, MetLife offered the most affordable policy we found.

If you want to find the best premiums for insurance for a 2016 Chevrolet Cruze, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2015 Chevrolet Cruze Car Insurance

On average, drivers who own a 2015 Cruze can expect to pay $93 to $183 monthly for liability only and full coverage car insurance, respectively.

Shelter Mutual offered the lowest policy we found, with rates sometimes as little as $20 per month.

If you want to know exactly how much you can expect to pay for your Cruze, just enter your ZIP code below and get free quotes in minutes.

2014 Chevrolet Cruze Car Insurance

You can expect full coverage for a 2014 Chevrolet Cruze to run about $180 a month, while liability only coverage will average around $91 per month.

We found MetLife offered the cheapest policy, with rates sometimes as cheap as $18 a month.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get lots of free customized quotes.

2013 Chevrolet Cruze Car Insurance

It costs about $93 monthly for liability or $178 for a full coverage policy for the 2013 Cruze.

Looking for the most affordable policy? Hugo offered liability only coverage for as little as $17 a month.

While these are good estimates of what the average driver might pay to insure a 2013 Chevrolet Cruze, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2012 Chevrolet Cruze Car Insurance

The average cost to insure a 2012 Chevrolet Cruze with liability only coverage is $91 monthly, while full coverage runs around $172 per month.

We found StateAuto offered the lowest policy, with rates sometimes as low as $18 a month.

If you want to find the best rates for auto insurance for a 2012 Chevrolet Cruze, enter your ZIP code below and compare a bunch of personalized quotes in just a few minutes.

2011 Chevrolet Cruze Car Insurance

2011 Cruze drivers can expect to pay an average of $95 monthly for liability or $171 for full coverage.

StateAuto offered the cheapest policy we found, with rates sometimes as cheap as $19 per month.

Want to know exactly what your car insurance price will be? Get a variety of personalized quotes for free by just entering your ZIP code below.

Chevrolet Cruze Insurance FAQs

Is a Chevrolet Cruze expensive to insure?

Liability insurance runs an average of $95 a month, while full coverage will cost you around $183. The Chevrolet Cruze is more expensive to insure compared to the average car.

How can I get the best price on car insurance for my Chevrolet Cruze?

There's only one way to confirm you're getting the most affordable rates -- checking prices regularly and comparing quotes from several companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from multiple carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Chevrolet Cruze affect my insurance prices?

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's actually not true. There are a multitude of variables insurance companies use when they offer you a premium, but your Cruze's color is not used to make that determination.

Do I need to have insurance before I buy a Chevrolet Cruze?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have valid auto insurance for it. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a a new car is to talk with your car insurance carrier before you buy.

What car insurance discounts can I get for my Chevrolet Cruze?

There are a variety of discounts out there when it comes to insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your Cruze has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to be certain is to reach out to your insurance company and ask about which discounts they offer.