Chevrolet Cruze Car Insurance Rates for 2021

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 $1,482 per year. Depending on the trim level being insured, monthly car insurance cost on a Cruze ranges from $115 to $131 for full coverage.

With the average compact car costing $1,353 a year to insure, the Cruze could cost around $129 more to insure than the segment average every 12 months.

The following chart shows average annual Chevy Cruze insurance cost 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.
Chevrolet Cruze Insurance Cost Summary
Chevrolet Cruze Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,344$279
Safe Driver Age 20$2,932$244
At-fault Accidents Age 40$2,108$176
Low Deductibles Age 40$1,840$153
Safe Driver Age 30$1,540$128
Safe Driver Age 40$1,482$124
Safe Driver Age 50$1,354$113
Safe Driver Age 60$1,326$111
High Deductibles Age 40$1,294$108
Discount Rate Age 40$1,230$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 $188 per year for a 40-year-old driver and $360 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 $376 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 $233 per year versus a lower credit rating of 670-739. Conversely, an imperfect credit score below 579 could cost as much as $270 more per year.
  • Gender affects car insurance rates. For a 2019 Chevy Cruze, a 20-year-old male driver pays an average price of $2,932 per year, while a 20-year-old female will pay $2,194, a difference of $738 per year. The females get the cheaper rate by far. But by age 50, male driver rates are $1,354 and the cost for women is $1,324, a difference of only $30.
  • 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 $1,792 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 $252 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 $1,374 per year, or about $115 per month. The next cheapest trim is the LS Hatchback at $1,416 per year, and the third cheapest trim level to insure is the LS Sedan also at $1,416 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 $1,576 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$1,374$687$115
LS Hatchback$1,416$708$118
LS Sedan$1,416$708$118
LT Sedan$1,458$729$122
LT Hatchback$1,502$751$125
Premier Sedan$1,502$751$125
Diesel Sedan$1,544$772$129
Premier Hatchback$1,544$772$129
Diesel Hatchback$1,576$788$131

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.
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 $174 more per year than the Honda Civic, $354 more than the Toyota Corolla, $138 more than the Nissan Sentra, and $44 less than the Hyundai Elantra.

The Chevrolet Cruze ranks #28 out of 34 total vehicles in the small car class. The Cruze costs an average of $1,482 per year for full coverage insurance, while the class average cost is $1,353 annually, a difference of $129 per year.

When compared to all vehicles and not just the compact car segment, average Chevy Cruze insurance costs 2.7% less than the national average car insurance rate of $1,523 per year.

The table below shows how well Cruze car insurance rates compare to all 34 vehicles in the 2019 compact car segment.

Insurance Cost Comparison: Chevrolet Cruze vs Small Cars
Rank Make/Model Insurance Cost Difference
1Honda Fit$1,114-$368
2Ford Fiesta$1,124-$358
3Toyota Corolla$1,128-$354
4Fiat 500$1,130-$352
5Fiat 500L$1,198-$284
6Chevrolet Spark$1,216-$266
7Volkswagen Golf$1,216-$266
8Fiat 124 Spider$1,222-$260
9Toyota Yaris$1,228-$254
10Smart Fortwo$1,230-$252
11Hyundai Accent$1,232-$250
12Subaru Impreza$1,240-$242
13Mazda 3$1,248-$234
14Honda Civic$1,308-$174
15Fiat 500E$1,324-$158
16Nissan Sentra$1,344-$138
17Nissan Versa$1,348-$134
18Kia Forte$1,354-$128
19Hyundai Veloster$1,360-$122
20Volkswagen Beetle$1,382-$100
21Chevrolet Bolt$1,390-$92
22Toyota Prius$1,420-$62
23Kia Rio$1,424-$58
24Honda Clarity$1,436-$46
25Chevrolet Sonic$1,452-$30
26Volkswagen GTI$1,454-$28
27Hyundai Ioniq$1,470-$12
28Chevrolet Cruze$1,482--
29Chevrolet Volt$1,498$16
30Hyundai Elantra$1,526$44
31Volkswagen E-Golf$1,562$80
32Volkswagen Jetta$1,570$88
33Toyota 86$1,654$172
34Toyota Mirai$1,730$248

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.
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 $1,448 per year, or around $121 per month. Cost ranges from $1,356 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$1,356$113
LS Sedan$1,400$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.
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 $1,454 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$1,454$121
Premier Hatchback$1,454$121
Premier Sedan$1,454$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.
2017 Chevrolet Cruze Insurance Cost by Trim Level

2016 Chevy Cruze Insurance Rates

Average insurance cost for a 2016 Chevy Cruze is $1,314 per year, or around $110 per month. Rates range from $1,268 per year for the Cruze L Sedan to $1,424 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$1,268$106
Limited L Sedan$1,268$106
Limited LS Sedan$1,268$106
LS Sedan$1,308$109
LT Sedan$1,308$109
Limited LT Sedan$1,308$109
Limited EcoSedan$1,348$112
Premier Sedan$1,386$116
Limited LTZ Sedan$1,424$119

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.
2016 Chevrolet Cruze Insurance Cost by Trim Level

2015 Chevrolet Cruze Insurance Rates

Insurance rates average $1,360 per year for a 2015 Chevy Cruze, or around $113 per month. Rates range from $1,304 per year for the Cruze L Sedan to $1,462 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$1,304$109
LS Sedan$1,304$109
LT Sedan$1,352$113
EcoSedan$1,388$116
LTZ Sedan$1,462$122
Sedan Turbo Diesel$1,462$122

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.
2015 Chevrolet Cruze Insurance Cost by Trim Level

2014 Chevy Cruze Insurance Rates

Average insurance cost for a 2014 Chevrolet Cruze is $1,284 per year, or around $107 per month. Rates range from $1,212 per year for the Cruze LS Sedan to $1,384 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$1,212$101
EcoSedan$1,282$107
LT Sedan$1,282$107
LTZ Sedan$1,350$113
Sedan Turbo Diesel$1,384$115

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.
2014 Chevrolet Cruze Insurance Cost by Trim Level

2013 Chevrolet Cruze Insurance Rates

Insurance rates for a 2013 Chevy Cruze average $1,160 per year, or about $97 per month. Rates range from $1,098 per year for the Cruze LS Sedan to $1,224 for the Cruze LTZ Sedan.

2013 Chevrolet Cruze Insurance Cost by Trim Level
2013 Chevrolet Cruze Trim Level Annual Rate Per Month
LS Sedan$1,098$92
EcoSedan$1,160$97
LT Sedan$1,160$97
LTZ Sedan$1,224$102

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.
2013 Chevrolet Cruze Insurance Cost by Trim Level