2013 Chevrolet Cruze Car Insurance Calculator

Watch in real-time how seemingly small changes impact the cost of car insurance for a 2013 Chevrolet Cruze. Adjust rate factors like your marital status, location, and homeowner status to see how insurance cost is affected. Immediately discover if and why rates increase from the option you changed.

The average estimated car insurance premium for a 2013 Chevrolet Cruze is $1,480 per year, or about $123 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,480

Cost Per Month

$123

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Chevrolet Cruze Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2013 Chevrolet Cruze.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,480
Average Rate
Your Rate
$1,480

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2013 Chevrolet Cruze trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 Chevrolet Cruze is $1,480.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 Chevrolet Cruze vs. the Small Car Segment

The table below compares insurance rates for the 2013 Chevrolet Cruze against all other models in the small car segment. The Chevrolet Cruze is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Chevrolet Cruze, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Chevrolet Cruze.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 Chevrolet Cruze Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,032-$448
2Chrysler Fiat 500$1,064-$416
3Mazda 2$1,084-$396
4Nissan Leaf$1,094-$386
5Toyota Matrix$1,106-$374
6Scion IQ$1,128-$352
7Chevrolet Spark$1,192-$288
8Kia Rio5$1,242-$238
9Hyundai Accent$1,254-$226
10Ford Fiesta$1,262-$218
11Chevrolet Sonic$1,274-$206
12Honda Fit$1,276-$204
13Kia Rio$1,300-$180
14Nissan Versa$1,306-$174
15Toyota Yaris$1,322-$158
16Nissan Sentra$1,330-$150
17Hyundai Elantra$1,336-$144
18Honda CR-Z$1,354-$126
19Mazda 3$1,358-$122
2013 Small Car Average$1,362-$118
20Toyota Corolla$1,364-$116
21Honda Civic$1,370-$110
22Volkswagen Beetle$1,380-$100
23Mazda Mazdaspeed 3$1,432-$48
24Volkswagen GTI$1,462-$18
25Dodge Dart$1,466-$14
26Volkswagen Jetta$1,470-$10
27Toyota Prius$1,474-$6
28Chevrolet Cruze$1,480--
29Subaru Impreza$1,484$4
30Kia Forte$1,488$8
31Volkswagen Golf$1,492$12
32Ford Focus$1,496$16
33Volkswagen EOS$1,508$28
34Hyundai Veloster$1,520$40
35Scion FR-S$1,534$54
36Chevrolet Volt$1,598$118
37Scion TC$1,668$188
38Mitsubishi Lancer$1,742$262

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 Cruze Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Chevrolet Cruze.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 Chevrolet Cruze Insurance Rates by Trim Level
2013 Chevrolet Cruze Trim Level Annual Premium Cost Per Month
LS Sedan$1,396$116
EcoSedan$1,478$123
LT Sedan$1,486$124
LTZ Sedan$1,556$130

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 Chevrolet Cruze for different driver ages.

2013 Chevrolet Cruze Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,561$463
17$5,281$440
18$4,531$378
19$4,203$350
20$3,166$264
21$3,021$252
22$2,670$223
23$2,264$189
24$2,109$176
25$1,708$142
30$1,558$130
35$1,526$127
40$1,480$123
45$1,398$117
50$1,336$111
55$1,248$104
60$1,248$104
65$1,322$110
70$1,474$123
75$1,784$149
80$2,206$184

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Chevrolet Cruze trim levels.