Chevrolet Cruze Car Insurance Rates for 2022

• Chevy Cruze insurance rates average $1,492 per year or around $124 per month, depending on the trim level.
• The cheapest Chevrolet Cruze insurance is on the L Sedan trim level at an average cost of $1,384 per year. The most expensive trim is the Diesel Hatchback at $1,586 per year.
• The 2019 Cruze ranks #27 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 $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.

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.

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.

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.

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.

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.

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.

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.

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.