Chevrolet Cruze Insurance Made Easy: 2025 Rates, Tips and Savings

• Chevy Cruze insurance rates average $2,086 per year or around $174 per month, depending on the trim level.
• The cheapest Chevrolet Cruze insurance is on the L Sedan trim level at an average cost of $1,932 per year. The most expensive trim is the Diesel Hatchback at $2,218 per year.
• The 2019 Cruze ranks 27^th out of 33 vehicles in the compact car class for insurance affordability.

How much does Chevrolet Cruze insurance cost?

Chevy Cruze car insurance rates average $2,086 per year. Depending on the trim level being insured, monthly car insurance cost on a Cruze ranges from $161 to $185 for full coverage.

With the average compact car costing $1,904 a year to insure, the Cruze could cost around $182 more to insure than the segment average every 12 months.

The following chart shows the average annual Chevy Cruze insurance cost (2019 model) for a range of different policy situations.

Some additional data insights about Cruze insurance rates include:

• Car insurance is cheaper with higher deductibles. Boosting your deductibles from $500 to $1,000 could save around $264 per year for a 40-year-old driver and $504 per year for a 20-year-old driver.
• Choosing a low deductible will increase insurance policy costs. Decreasing your deductibles from $500 to $250 could cost an additional $272 per year for a 40-year-old driver and $528 per year for a 20-year-old driver.
• Improve your credit to save money. In states that grant insurance companies permission to use credit scores as a rating factor, having a good credit rating over 800 could save a minimum of $328 per year versus a lower credit rating of 670-739. Conversely, an imperfect credit score below 579 could cost as much as $380 more per year.
• Gender affects car insurance rates. For a 2019 Chevy Cruze, a 20-year-old male driver pays an average price of $4,192 per year, while a 20-year-old female will pay $3,032, a difference of $1,160 per year. The females get the cheaper rate by far. But by age 50, male driver rates are $1,872 and the cost for women is $1,814, a difference of only $58.
• Expect to pay a lot for high-risk insurance. For a 40-year-old driver, having a tendency to get into accidents or receive violations can cause a rate increase of $2,562 or more per year.
• Lots of policy discounts equal cheaper Cruze insurance. Discounts may be available if the insureds choose electronic billing, take a defensive driving course, are good students, sign their policy early, or other policy discounts which could save the average driver as much as $356 per year on Chevrolet Cruze insurance.

What are the cheapest Chevy Cruze insurance rates?

The cheapest trim level of Chevy Cruze to insure is the L Sedan at an estimated $1,932 per year, or about $161 per month. The next cheapest trim is the LS Hatchback at $1,992 per year, and the third cheapest trim level to insure is the LS Sedan also at $1,992 per year.

The three highest cost Cruze models to insure are the Cruze Diesel Sedan, the Premier Hatchback, and the Diesel Hatchback trim levels all at an estimated $2,218 per year.

The next table shows the estimated annual and semi-annual policy costs, plus a monthly budget figure, for each Chevy Cruze package and trim.

How does Cruze insurance compare to similar vehicles?

When Chevy Cruze insurance rates are compared to the most popular models in the small car segment, insurance for a Cruze costs $230 more per year than the Honda Civic, $496 more than the Toyota Corolla, $198 more than the Nissan Sentra, and $62 less than the Hyundai Elantra.

The Chevrolet Cruze ranks 27^th out of 33 total vehicles in the small car class. The Cruze costs an average of $2,086 per year for full coverage insurance, while the class average cost is $1,904 annually, a difference of $182 per year.

When compared to all vehicles and not just the compact car segment, average Chevy Cruze insurance costs 8.7% less than the national average car insurance rate of $2,276 per year.

The table below shows how well Cruze car insurance rates compare to all 33 vehicles in the 2019 compact car segment.

Chevy Cruze prior model year insurance rates

The following sections show Chevrolet Cruze insurance rates for all trim levels for the 2013 to 2018 model years.

2018 Chevrolet Cruze Insurance Rates

2018 Chevy Cruze insurance rates average $1,988 per year, or around $166 per month. Cost ranges from $1,874 per year for the Cruze L Sedan to $2,044 for the Cruze Premier Sedan.

2017 Chevrolet Cruze Insurance Rates

A 2017 Chevrolet Cruze averages $1,918 per year for full coverage insurance, or around $160 per month. Rates range from $1,810 per year for the Cruze L Sedan to $1,972 for the Cruze Premier Sedan.

2016 Chevy Cruze Insurance Rates

Average insurance cost for a 2016 Chevy Cruze is $1,754 per year, or around $146 per month. Rates range from $1,690 per year for the Cruze L Sedan to $1,886 for the Cruze Limited LTZ Sedan.

2015 Chevrolet Cruze Insurance Rates

Insurance rates average $1,800 per year for a 2015 Chevy Cruze, or around $150 per month. Rates range from $1,708 per year for the Cruze L Sedan to $1,906 for the Cruze Sedan Turbo Diesel.

2014 Chevy Cruze Insurance Rates

Average insurance cost for a 2014 Chevrolet Cruze is $1,690 per year, or around $141 per month. Rates range from $1,576 per year for the Cruze LS Sedan to $1,792 for the Cruze Sedan Turbo Diesel.

2013 Chevrolet Cruze Insurance Rates

Insurance rates for a 2013 Chevy Cruze average $1,516 per year, or about $126 per month. Rates range from $1,432 per year for the Cruze LS Sedan to $1,596 for the Cruze LTZ Sedan.