Chevrolet Cruze insurance costs average $93 monthly for minimum coverage and $180 per month for full coverage. Depending on your particular trim and model year, costs can range from $61 to $282 monthly for Chevrolet Cruze coverage.
Chevrolet Cruze Insurance Cost
Updated: October 3, 2025
Key Takeaways
Chevrolet Cruze insurance costs range from $89 monthly for basic trims to $282 for premium models, with price differences based on specific trim level and model year you choose.
The Chevrolet Cruze ranks 373rd out of 827 vehicle models for insurance affordability in the U.S. market, placing it in the middle tier for coverage costs nationwide.
GEICO offers the most affordable Chevrolet Cruze coverage with full coverage starting at $134 monthly and minimum coverage at $62 monthly.
How Much Is Chevrolet Cruze Insurance?
| Chevrolet Cruze | $93 | $180 |
Chevrolet Cruze Insurance Cost by Model Year
Your Chevrolet Cruze model year and available trims directly impact your insurance rates. Newer models cost more to insure because of their higher fair value. Monthly premiums for Cruze models range from $71 to $239, with older vehicles offering the most affordable coverage options.
| 2019 | $123 | $239 |
| 2018 | $100 | $193 |
| 2017 | $87 | $168 |
| 2016 | $71 | $137 |
| 2015 | $100 | $192 |
| 2014 | $96 | $185 |
| 2013 | $91 | $175 |
| 2012 | $87 | $167 |
| 2011 | $72 | $139 |
Chevrolet Cruze Insurance Cost by Trim
Your Chevrolet Cruze trim impacts insurance costs based on features, market value and replacement expenses. Our research shows monthly premiums range from $61 for basic trims to $245 for premium diesel variants, creating substantial budget differences depending on your model choice.
| Limited L Sedan 4d | $61 | $117 |
| Limited Ls Sedan 4d | $65 | $126 |
| Limited 1lt Sedan 4d | $65 | $126 |
| Limited Eco Sedan 4d | $69 | $134 |
| Limited Ltz Sedan 4d | $76 | $147 |
| L Sedan 4d | $77 | $148 |
| Limited 2lt Sedan 4d | $78 | $152 |
| Eco Sedan 4d | $83 | $160 |
| Diesel Sedan 4d | $84 | $162 |
| Ls Sedan 4d | $87 | $168 |
| Lt Sedan 4d | $92 | $177 |
| 1lt Sedan 4d | $98 | $189 |
| Ls Hatchback 4d | $101 | $195 |
| 2lt Sedan 4d | $103 | $198 |
| Ltz Sedan 4d | $103 | $199 |
| Lt Hatchback 4d | $104 | $201 |
| Lt Diesel Sedan 4d | $104 | $202 |
| Eco Sedan 4d | $105 | $203 |
| Premier Sedan 4d | $107 | $207 |
| Premier Hatchback 4d | $117 | $226 |
| Lt Diesel Hatchback 4d | $127 | $245 |
Compare Personalized Chevrolet Cruze Insurance Costs
We analyzed Chevrolet Cruze insurance costs by model year and trim for accurate personalized estimates.
Data filtered by:Results filtered by:
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Model Year:2011
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Trim:Lt Sedan 4d
| Lt Sedan 4d | $68 | $131 |
Chevrolet Cruze Insurance Cost by Company
Chevrolet Cruze insurance costs vary by provider from $98 to $247 monthly. Minimum coverage ranges from $62 to $155, while full coverage costs $134 to $355. Rates vary due to different risk assessment models.
| AAA | $101 | $208 |
| AIG | $140 | $355 |
| Allstate | $111 | $214 |
| Amica | $109 | $223 |
| Chubb | $142 | $279 |
| Farmers | $134 | $238 |
| GEICO | $62 | $134 |
| Kemper | $100 | $199 |
| Nationwide | $117 | $201 |
| Progressive | $97 | $181 |
| State Farm | $91 | $189 |
| The Hartford | $99 | $169 |
| Travelers | $85 | $156 |
| UAIC | $155 | $193 |
Chevrolet Cruze Insurance Cost by State
Car insurance for a Chevrolet Cruze varies by location, ranging from $32 monthly in Wyoming to $392 monthly in Louisiana.
| Alabama | $78 | $147 |
| Alaska | $65 | $137 |
| Arizona | $112 | $208 |
| Arkansas | $76 | $171 |
| California | $85 | $173 |
| Colorado | $91 | $217 |
| Connecticut | $132 | $226 |
| Delaware | $133 | $222 |
| Florida | $126 | $295 |
| Georgia | $140 | $231 |
| Hawaii | $49 | $109 |
| Idaho | $51 | $104 |
| Illinois | $85 | $159 |
| Indiana | $60 | $117 |
| Iowa | $51 | $121 |
| Kansas | $66 | $154 |
| Kentucky | $113 | $193 |
| Louisiana | $181 | $392 |
| Maine | $49 | $101 |
| Maryland | $147 | $248 |
| Massachusetts | $92 | $194 |
| Michigan | $136 | $259 |
| Minnesota | $74 | $153 |
| Mississippi | $76 | $152 |
| Missouri | $102 | $205 |
| Montana | $63 | $149 |
| Nebraska | $65 | $148 |
| Nevada | $173 | $312 |
| New Hampshire | $65 | $115 |
| New Jersey | $152 | $250 |
| New Mexico | $76 | $170 |
| New York | $119 | $214 |
| North Carolina | $76 | $149 |
| North Dakota | $52 | $114 |
| Ohio | $72 | $140 |
| Oklahoma | $85 | $188 |
| Oregon | $117 | $203 |
| Pennsylvania | $78 | $185 |
| Rhode Island | $115 | $204 |
| South Carolina | $98 | $182 |
| South Dakota | $49 | $146 |
| Tennessee | $74 | $148 |
| Texas | $118 | $240 |
| Utah | $101 | $172 |
| Vermont | $41 | $97 |
| Virginia | $88 | $143 |
| Washington | $90 | $168 |
| West Virginia | $77 | $158 |
| Wisconsin | $60 | $133 |
| Wyoming | $32 | $99 |
Chevrolet Cruze Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, impacts Chevrolet Cruze insurance costs. Young drivers under 25 pay around $348 monthly on average, while adult drivers between 26-64 enjoy much lower rates at approximately $137 per month for the same coverage.
| Adult Drivers | $93 | $180 |
| Young Drivers | $239 | $457 |
| Senior Drivers | $124 | $228 |
| Drivers With a Speeding Ticket | $116 | $227 |
| Drivers With an Accident | $137 | $263 |
| Drivers With a DUI | $170 | $324 |
| Drivers With Bad Credit | $222 | $445 |
Is a Chevrolet Cruze Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Chevrolet Cruze ranks 373rd out of 827, placing it around the middle of the pack for insurance costs. Among compact cars the model ranks as the second most expensive car to insure.
| Volkswagen Beetle | $71 | $138 |
| Dodge Caliber | $77 | $149 |
| Hyundai Elantra | $81 | $155 |
| Fiat 500e | $82 | $159 |
| Mazda 3 | $85 | $163 |
| Toyota Corolla | $85 | $163 |
| Chevrolet Volt | $86 | $167 |
| Toyota Prius | $87 | $168 |
| Nissan Leaf | $89 | $171 |
| Volkswagen Golf | $91 | $177 |
| Honda Civic | $94 | $181 |
| Hyundai Veloster | $94 | $182 |
| Fiat 500 | $96 | $186 |
| Mitsubishi Lancer | $101 | $195 |
| Ford Focus | $101 | $195 |
| Fiat 500L | $102 | $197 |
| Kia Forte | $107 | $206 |
| Dodge Dart | $109 | $211 |
| Chevrolet Cruze | $113 | $218 |
| Fiat 500 Abarth | $149 | $288 |
Factors That Affect Chevrolet Car Insurance Costs
Several factors affect what you'll pay for Chevrolet Cruze insurance coverage:
- Age (25 to 45 median): Younger adult to middle-aged drivers receive reasonable rates due to the vehicle's safety profile and conservative appeal.
- Gender (58% male): The balanced gender distribution reflects the Cruze's practical appeal across demographics, resulting in a moderate risk assessment.
- Income ($50,000 to $80,000): Middle-income buyers who value cost-effectiveness seek comprehensive coverage at competitive rates, making them desirable customers for insurers.
Average Repair or Replacement Costs
Chevrolet ranks 10th in repair affordability among 59 U.S. automakers with median annual costs of $723. Chevrolet Cruze repair costs average $687 annually, making it one of Chevrolet's most affordable models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Cruze's modest performance specs (153 horsepower 1.4L turbo engine) keep insurance costs low compared to high-performance vehicles.
Higher trim levels like Premier add features such as leather seats, premium Bose audio, and advanced safety technology, which increase replacement values. The availability in both sedan and hatchback body styles affects rates, with the practical nature appealing to conservative driver profiles.
Fuel Type
Cruze owners benefit from excellent fuel economy (28-40 mpg), which correlates with conservative driving patterns that insurance companies favor.
The turbocharged 1.4L engine provides adequate power for daily commuting without encouraging aggressive driving. Some models offered diesel options, appealing to efficiency-focused drivers who typically represent lower insurance risk profiles.
Location
Cruze ownership spans suburban and urban markets nationwide, with a strong presence in cost-conscious regions. Chevrolet's extensive dealer network ensures repair accessibility across all markets, keeping insurance costs stable regionally.
The vehicle's global production in Ohio, Mexico and other locations maintains consistent parts availability, though regional insurance rates vary by state regulations and local claim frequencies.
Driver Profile
Most Cruze drivers are budget-conscious consumers aged 25 to 45 who prioritize fuel efficiency and practicality over performance. This demographic includes young professionals, families seeking economical transportation, and commuters focused on reliability.
Driver demographics affect Cruze rates:
Cheapest Chevrolet Cruze Insurance Companies
GEICO offers the most affordable Cruze insurance options across coverage levels. For full coverage car insurance on your Cruze, GEICO provides the cheapest rates at $134 monthly. Drivers seeking basic minimum coverage will also find GEICO offers the lowest premiums at $62 per month for Cruze owners.
| GEICO | $62 | $134 |
| Travelers | $85 | $156 |
| The Hartford | $99 | $169 |
| Progressive | $97 | $181 |
| State Farm | $91 | $189 |
Cheapest Chevrolet Cruze Insurance by State
We found that these three insurers offer the most affordable Chevrolet Cruze coverage:
- GEICO: Cheapest rates in 21 states
- Travelers: Most affordable in eight states
- Progressive: Wins for low costs in five states
Filter the results below to find the cheapest auto insurance rates for your Chevrolet Cruze.
Data filtered by:Results filtered by:
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State:Alabama
| Alabama | Cincinnati Insurance | $42 |
How to Get the Best Cheap Chevrolet Cruze Insurance
Below we detail the best ways to secure affordable car insurance for your Chevrolet Cruze:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Chevrolet's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and with another provider. You can then find the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Chevrolet Cruze, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Cruze owners will qualify for:
- Good Student/Student Discount (10% to 25% savings): The Cruze is frequently recommended as an ideal first car for young drivers and students, making good student discounts applicable for this buyer demographic.
- Low-Mileage Discount (5% to 25% savings): Cruze owners often use their vehicles primarily for commuting and everyday errands rather than extensive road trips, typically resulting in lower annual mileage that qualifies for low-mileage discounts.
- Safety Features/Advanced Safety Discount (5% to 40% savings): The 2019 Cruze earned a five-star overall National Highway Traffic Safety Administration (NHTSA) rating and includes standard safety equipment like rear park assist, forward collision alert, and comprehensive airbag systems, which help you avoid crashes. Lots of insurance companies will knock money off your bill for this.
- Bundling/Multi-Policy Discount (5% to 25% savings): Chevrolet buyers span diverse income levels, with 27.6% earning over $100,000 annually. This often means homeownership and the ability to bundle auto and home insurance for substantial savings.
- Anti-Theft Device Discount (5% to 15% savings): Most Cruze models came standard with GM's anti-theft system and remote keyless entry, providing built-in theft deterrent features that qualify for anti-theft discounts from most insurers.
- 5
Consider alternative car insurance types
Chevrolet Cruze owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Chevrolet Cruze insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Chevrolet Cruze Insurance Cost: Bottom Line
Insuring a Chevrolet Cruze costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Chevrolet Cruze Insurance Rates: FAQ
Here are answers to common questions about insuring a Chevrolet Cruze.
What is the average cost of car insurance for a Chevrolet Cruze?
The Chevrolet Cruze's average annual insurance cost is $1,119 for state minimum coverage and $2,161 for full coverage.
What company has the cheapest car insurance for a Chevrolet Cruze?
For full coverage car insurance on your Cruze, GEICO provides the cheapest rates at $134 monthly. Drivers seeking basic minimum coverage will also find GEICO offers the lowest premiums at $62 per month for Cruze owners.
Are Chevrolet Cruzes expensive to insure?
The Chevrolet Cruze falls in the middle range for insurance costs. Out of 827 vehicles we track, the Cruze ranks 373rd for affordability, making it more affordable than about 45% of vehicles. Among compact cars, this model ranks as the second most expensive to insure.
What factors affect insurance costs for Chevrolet Cruzes?
Several factors affect your Chevrolet Cruze rates. These include repair costs for specialized parts, your driving record and credit score, coverage choices and your location.
How can I lower Chevrolet Cruze insurance costs?
Shop around with multiple insurers, as rates vary for Cruzes, and consider usage-based insurance programs that track your driving habits. Take advantage of Chevrolet's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Chevrolet Cruze Insurance Costs
We studied hundreds of millions of quote estimates across all vehicle models sold in the U.S. from 2000 to 2025 to get you the most accurate Chevrolet Cruze insurance costs.
Who We Based These Rates On
These Chevrolet Cruze prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score is in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.