Chevrolet Cruze Car Insurance Rates for 2022

How much are Chevrolet Cruze insurance rates? We compared insurance cost from the base L sedan up to the Premier hatchback to see how prices ranked.

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How much does Chevrolet Cruze insurance cost?

Chevy Cruze car insurance rates average $1,492 per year. Depending on the trim level being insured, monthly car insurance cost on a Cruze ranges from $115 to $132 for full coverage.

With the average compact car costing $1,359 a year to insure, the Cruze could cost around $133 more to insure than the segment average every 12 months.

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

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2019 model year Chevrolet Cruze with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Chevrolet Cruze trim levels.Data last updated on June 24, 2022
Chevrolet Cruze Insurance Cost Summary
Chevrolet Cruze Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,372$281
Safe Driver Age 20$2,954$246
At-fault Accidents Age 40$2,122$177
Low Deductibles Age 40$1,850$154
Safe Driver Age 30$1,544$129
Safe Driver Age 40$1,492$124
Safe Driver Age 50$1,362$114
Safe Driver Age 60$1,334$111
High Deductibles Age 40$1,306$109
Discount Rate Age 40$1,236$103

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 $186 per year for a 40-year-old driver and $358 per year for a 20-year-old driver.
  • Choosing a low deductible will increase insurance policy cost. Decreasing your deductibles from $500 to $250 could cost an additional $194 per year for a 40-year-old driver and $374 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 rate factor, having a good credit rating over 800 could save a minimum of $234 per year versus a lower credit rating of 670-739. Conversely, an imperfect credit score below 579 could cost as much as $272 more per year.
  • Gender affects car insurance rates. For a 2019 Chevy Cruze, a 20-year-old male driver pays an average price of $2,954 per year, while a 20-year-old female will pay $2,212, a difference of $742 per year. The females get the cheaper rate by far. But by age 50, male driver rates are $1,362 and the cost for women is $1,334, a difference of only $28.
  • 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 $1,808 or more per year.
  • Lots of policy discounts equals 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 many other policy discounts which could save the average driver as much as $256 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 $1,384 per year, or about $115 per month. The next cheapest trim is the LS Hatchback at $1,426 per year, and the third cheapest trim level to insure is the LS Sedan also at $1,426 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 $1,586 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.

2019 Chevrolet Cruze Insurance Cost by Trim Level
Chevrolet Cruze Trim Level Annual Policy 6-month Policy Per Month
L Sedan$1,384$692$115
LS Hatchback$1,426$713$119
LS Sedan$1,426$713$119
LT Sedan$1,470$735$123
LT Hatchback$1,512$756$126
Premier Sedan$1,512$756$126
Diesel Sedan$1,556$778$130
Premier Hatchback$1,556$778$130
Diesel Hatchback$1,586$793$132

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2019 Chevrolet Cruze, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Chevrolet Cruze Insurance Cost by Trim Level

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 $166 more per year than the Honda Civic, $358 more than the Toyota Corolla, $142 more than the Nissan Sentra, and $42 less than the Hyundai Elantra.

The Chevrolet Cruze ranks #27 out of 33 total vehicles in the small car class. The Cruze costs an average of $1,492 per year for full coverage insurance, while the class average cost is $1,359 annually, a difference of $133 per year.

When compared to all vehicles and not just the compact car segment, average Chevy Cruze insurance costs 4.8% less than the national average car insurance rate of $1,567 per year.

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

Insurance Cost Comparison: Chevrolet Cruze vs Small Cars
Rank Make/Model Insurance Cost Difference
1Ford Fiesta$1,124-$368
2Honda Fit$1,128-$364
3Toyota Corolla$1,134-$358
4Fiat 500$1,136-$356
5Fiat 500L$1,204-$288
6Chevrolet Spark$1,220-$272
7Volkswagen Golf$1,222-$270
8Fiat 124 Spider$1,224-$268
9Toyota Yaris$1,234-$258
10Smart Fortwo$1,236-$256
11Hyundai Accent$1,240-$252
12Subaru Impreza$1,246-$246
13Mazda 3$1,258-$234
14Honda Civic$1,326-$166
15Fiat 500E$1,330-$162
16Nissan Sentra$1,350-$142
17Nissan Versa$1,360-$132
18Kia Forte$1,362-$130
19Hyundai Veloster$1,364-$128
20Volkswagen Beetle$1,386-$106
21Toyota Prius$1,424-$68
22Kia Rio$1,436-$56
23Honda Clarity$1,440-$52
24Volkswagen GTI$1,458-$34
25Chevrolet Sonic$1,464-$28
26Hyundai Ioniq$1,472-$20
27Chevrolet Cruze$1,492--
28Chevrolet Volt$1,504$12
29Hyundai Elantra$1,534$42
30Volkswagen Jetta$1,570$78
31Volkswagen E-Golf$1,574$82
32Toyota 86$1,658$166
33Toyota Mirai$1,732$240

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2019 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Insurance Cost Comparison: Chevrolet Cruze vs Small Cars

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 $1,442 per year, or around $120 per month. Cost ranges from $1,360 per year for the Cruze L Sedan to $1,484 for the Cruze Premier Sedan.

2018 Chevrolet Cruze Insurance Cost by Trim Level
2018 Chevrolet Cruze Trim Level Annual Rate Per Month
L Sedan$1,360$113
LS Sedan$1,402$117
LT Hatchback$1,442$120
LT Sedan$1,442$120
Diesel Sedan$1,484$124
Premier Hatchback$1,484$124
Premier Sedan$1,484$124

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2018 Chevrolet Cruze, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
2018 Chevrolet Cruze Insurance Cost by Trim Level

2017 Chevrolet Cruze Insurance Rates

A 2017 Chevrolet Cruze averages $1,412 per year for full coverage insurance, or around $118 per month. Rates range from $1,332 per year for the Cruze L Sedan to $1,452 for the Cruze Premier Sedan.

2017 Chevrolet Cruze Insurance Cost by Trim Level
2017 Chevrolet Cruze Trim Level Annual Rate Per Month
L Sedan$1,332$111
LS Sedan$1,372$114
LT Hatchback$1,412$118
LT Sedan$1,412$118
Diesel Sedan$1,452$121
Premier Hatchback$1,452$121
Premier Sedan$1,452$121

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2017 Chevrolet Cruze, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
2017 Chevrolet Cruze Insurance Cost by Trim Level

2016 Chevy Cruze Insurance Rates

Average insurance cost for a 2016 Chevy Cruze is $1,310 per year, or around $109 per month. Rates range from $1,260 per year for the Cruze L Sedan to $1,408 for the Cruze Limited LTZ Sedan.

2016 Chevrolet Cruze Insurance Cost by Trim Level
2016 Chevrolet Cruze Trim Level Annual Rate Per Month
L Sedan$1,260$105
Limited L Sedan$1,260$105
Limited LS Sedan$1,260$105
LS Sedan$1,296$108
LT Sedan$1,296$108
Limited LT Sedan$1,296$108
Limited EcoSedan$1,334$111
Premier Sedan$1,370$114
Limited LTZ Sedan$1,408$117

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2016 Chevrolet Cruze, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
2016 Chevrolet Cruze Insurance Cost by Trim Level

2015 Chevrolet Cruze Insurance Rates

Insurance rates average $1,374 per year for a 2015 Chevy Cruze, or around $115 per month. Rates range from $1,302 per year for the Cruze L Sedan to $1,454 for the Cruze Sedan Turbo Diesel.

2015 Chevrolet Cruze Insurance Cost by Trim Level
2015 Chevrolet Cruze Trim Level Annual Rate Per Month
L Sedan$1,302$109
LS Sedan$1,302$109
LT Sedan$1,348$112
EcoSedan$1,382$115
LTZ Sedan$1,454$121
Sedan Turbo Diesel$1,454$121

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2015 Chevrolet Cruze, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
2015 Chevrolet Cruze Insurance Cost by Trim Level

2014 Chevy Cruze Insurance Rates

Average insurance cost for a 2014 Chevrolet Cruze is $1,280 per year, or around $107 per month. Rates range from $1,194 per year for the Cruze LS Sedan to $1,356 for the Cruze Sedan Turbo Diesel.

2014 Chevrolet Cruze Insurance Cost by Trim Level
2014 Chevrolet Cruze Trim Level Annual Rate Per Month
LS Sedan$1,194$100
EcoSedan$1,260$105
LT Sedan$1,260$105
LTZ Sedan$1,324$110
Sedan Turbo Diesel$1,356$113

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2014 Chevrolet Cruze, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
2014 Chevrolet Cruze Insurance Cost by Trim Level

2013 Chevrolet Cruze Insurance Rates

Insurance rates for a 2013 Chevy Cruze average $1,142 per year, or about $95 per month. Rates range from $1,082 per year for the Cruze LS Sedan to $1,202 for the Cruze LTZ Sedan.

2013 Chevrolet Cruze Insurance Cost by Trim Level
2013 Chevrolet Cruze Trim Level Annual Rate Per Month
LS Sedan$1,082$90
EcoSedan$1,142$95
LT Sedan$1,142$95
LTZ Sedan$1,202$100

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2013 Chevrolet Cruze, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
2013 Chevrolet Cruze Insurance Cost by Trim Level