2016 Chevrolet Cruze Car Insurance Calculator

See in real-time how changes to risk factors and vehicle options influence insurance rates for a 2016 Chevrolet Cruze. Experiment with trim level options, driving record, policy coverages, and annual miles driven to see the impact on rates. Instantly see the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2016 Chevrolet Cruze is $1,712 per year, or about $143 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

$1,712

Cost Per Month

$143

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 2016 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.

$1,712
Average Rate
Your Rate
$1,712

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 2016 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 2016 Chevrolet Cruze is $1,712.

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.

2016 Chevrolet Cruze vs. the Small Car Segment

The table below compares insurance rates for the 2016 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.

2016 Chevrolet Cruze Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,254-$458
2Chrysler Fiat 500$1,360-$352
3Honda Fit$1,386-$326
4Toyota Yaris$1,394-$318
5Nissan Versa$1,396-$316
6Ford Fiesta$1,408-$304
7Subaru Impreza$1,472-$240
8Scion IM$1,488-$224
9Chevrolet Spark$1,500-$212
10Hyundai Accent$1,504-$208
11Volkswagen Golf$1,518-$194
12Mazda 3$1,538-$174
13Scion IA$1,540-$172
14Honda CR-Z$1,576-$136
15Honda Civic$1,586-$126
16Nissan Sentra$1,590-$122
17Kia Rio$1,612-$100
18Toyota Corolla$1,628-$84
2016 Small Car Average$1,636-$76
19Nissan Leaf$1,642-$70
20Toyota Prius$1,644-$68
21Hyundai Veloster$1,650-$62
22Chevrolet Sonic$1,668-$44
23Volkswagen Beetle$1,694-$18
24Volkswagen GTI$1,706-$6
25Chevrolet Volt$1,708-$4
26Chevrolet Cruze$1,712--
27Volkswagen EOS$1,716$4
28Kia Forte$1,724$12
29Ford Focus$1,744$32
30Hyundai Elantra$1,760$48
31Scion FR-S$1,778$66
32Mitsubishi Lancer$1,838$126
33Volkswagen E-Golf$1,852$140
34Volkswagen Jetta$1,924$212
35Dodge Dart$1,968$256
36Scion TC$2,022$310
37Toyota Mirai$2,036$324

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.

2016 Cruze Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 Chevrolet Cruze Insurance Rates by Trim Level
2016 Chevrolet Cruze Trim Level Annual Premium Cost Per Month
L Sedan$1,648$137
Limited L Sedan$1,648$137
Limited LS Sedan$1,648$137
LS Sedan$1,696$141
LT Sedan$1,696$141
Limited LT Sedan$1,696$141
Limited EcoSedan$1,744$145
Premier Sedan$1,794$150
Limited LTZ Sedan$1,840$153

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 2016 Chevrolet Cruze for different driver ages.

2016 Chevrolet Cruze Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,401$533
17$6,074$506
18$5,210$434
19$4,839$403
20$3,650$304
21$3,480$290
22$3,080$257
23$2,616$218
24$2,440$203
25$1,976$165
30$1,804$150
35$1,770$148
40$1,712$143
45$1,622$135
50$1,550$129
55$1,442$120
60$1,442$120
65$1,532$128
70$1,704$142
75$2,058$172
80$2,542$212

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.