Insurance premiums for a Chevrolet Cruze average $180 monthly for full coverage and $93 for minimum coverage. Depending on your trim and model year, costs can range from $61 to $245 monthly.
Chevrolet Cruze Insurance Cost
Updated: January 13, 2026
Key Takeaways
GEICO offers the most affordable Chevrolet Cruze insurance on average, though full coverage costs around $180 monthly and varies based on your model year and chosen insurer. Read more
The Cruze ranks 97th out of 199 sedans for insurance affordability, placing it in the middle tier among sedans. Since sedans cost less to insure due to better safety ratings and lower repair costs, this makes the Cruze affordable. Read more
Getting precise rates means checking costs for your Cruze's specific model year, especially if you're insuring a teen driver who'll impact your premiums. Read MoneyGeek's analysis of rates by company for specific Cruze model years, depending on the age of the drivers.
How Much Is Chevrolet Cruze Insurance?
| Chevrolet Cruze | $93 | $180 |
Looking for another Chevrolet model? Read more about the cost of Chevrolet car insurance models.
Monthly premiums for a Chevrolet Cruze range from $71 for older models to $239 for the newest ones. Your car's age impacts insurance costs since newer Cruzes have higher fair market values that cost more to replace.
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 |
Insurance costs for a Chevrolet Cruze depend on model year and company. Full coverage goes from $134 with GEICO to $355 with AIG, while minimum coverage ranges from $62 with GEICO to $155 with UAIC.
Chevrolet Cruze owners should shop between insurers since minimum coverage varies by over $93 and full coverage by over $221. Each company calculates risk differently for the Cruze, affecting your final quote.
| 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 |
Is Chevrolet Cruze Expensive to Insure?
MoneyGeek's analysis of 200 sedans shows the Chevrolet Cruze ranking 97th for affordability. It costs a few dollars more per month than a Kia Borrego but runs slightly cheaper than a Toyota Corolla, placing it squarely in the middle tier among similar vehicles. This positioning means 96 sedans are cheaper to insure, while over 100 cost more.
While that's middle of the pack for sedans, this vehicle category tends to carry higher insurance costs overall. The Cruze's 373rd ranking out of 827 total vehicles actually puts it in the top half for affordability across all car types. For comparison, the Saturn S-Series claims the cheapest sedan spot while the Cadillac CTS-V commands the highest premiums.
| Kia Optima | $130 | 94 |
| Audi A3 | $131 | 95 |
| Kia Borrego | $131 | 96 |
| Chevrolet Cruze | $132 | 97 |
| Toyota Corolla | $132 | 98 |
| Toyota Camry | $132 | 99 |
| Audi A6 | $133 | 100 |
Several factors affect what you'll pay for Chevrolet Cruze insurance:
- Average Repair or Replacement Costs: With annual repair costs averaging $687, the Chevrolet Cruze ranks as the brand's 18th most affordable model to maintain out of 38 total vehicles, keeping insurance premiums relatively manageable.
- Vehicle Trim, Features and Accessories: The Cruze's horsepower ranges from 153 to 240 hp depending on your trim level. Higher-performance variants with more powerful engines typically result in increased insurance premiums due to greater risk exposure.
- Driver Profile: Most Chevrolet Cruze owners are between 25-34 years old with a median age around 30. Younger drivers often face higher rates due to inexperience, and the vehicle's performance appeal can attract risk-taking behaviors that concern insurers. Read more about the costs of Chevrolet Cruzes for young drivers.
Chevrolet Cruze Costs by Model Year and Driver Age by Insurance Company
A 35- to 55-year-old driver pays $273 monthly for full coverage on a 2019 Chevrolet Cruze compared to just $158 for a 2011 model. Model year and driver age affect your Cruze insurance costs since newer vehicles command higher premiums. Teen and young adult drivers face even higher rates across all model years.
GEICO offers the lowest rates across all Cruze model years and could save certain drivers hundreds of dollars monthly. The Chevy Cruze was discontinued after 2019 in the U.S., so data is only up to this year.
Cost of Car Insurance for 2019 Chevrolet Cruze
| Geico | $80 | $172 |
| National General | $92 | $189 |
| Travelers | $112 | $205 |
| Progressive | $126 | $236 |
| State Farm | $127 | $263 |
| Kemper | $133 | $267 |
| AAA | $134 | $277 |
| The Hartford | $136 | $233 |
| Amica | $144 | $294 |
| Allstate | $144 | $280 |
| Nationwide | $152 | $262 |
| Farmers | $181 | $322 |
| AIG | $185 | $471 |
| Chubb | $186 | $368 |
| UAIC | $200 | $252 |
2019 Chevrolet Cruze Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $974 | $710 | $596 | $432 | $373 | $301 | $277 | $230 | $217 | $197 |
| State Farm | $993 | $873 | $772 | $667 | $588 | $500 | $454 | $405 | $370 | $326 |
| Nationwide | $1,193 | $1,094 | $1,007 | $855 | $721 | $468 | $433 | $404 | $382 | $342 |
| Travelers | $1,230 | $884 | $696 | $536 | $472 | $350 | $319 | $294 | $271 | $236 |
| Allstate | $1,327 | $1,041 | $840 | $620 | $556 | $434 | $395 | $373 | $352 | $311 |
| Progressive | $1,724 | $1,390 | $1,152 | $641 | $559 | $451 | $402 | $359 | $330 | $283 |
| Farmers | $2,029 | $1,501 | $1,335 | $821 | $773 | $584 | $523 | $499 | $476 | $400 |
Cost of Car Insurance for 2018 Chevrolet Cruze
| Geico | $64 | $139 |
| National General | $75 | $153 |
| Travelers | $90 | $166 |
| Progressive | $102 | $190 |
| State Farm | $102 | $213 |
| Kemper | $108 | $215 |
| AAA | $108 | $224 |
| The Hartford | $110 | $188 |
| Amica | $116 | $238 |
| Allstate | $117 | $226 |
| Nationwide | $123 | $212 |
| Farmers | $146 | $260 |
| AIG | $149 | $380 |
| Chubb | $150 | $297 |
| UAIC | $161 | $203 |
2018 Chevrolet Cruze Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $786 | $573 | $481 | $349 | $301 | $243 | $224 | $185 | $175 | $159 |
| State Farm | $801 | $705 | $623 | $538 | $475 | $404 | $367 | $327 | $299 | $263 |
| Nationwide | $963 | $883 | $813 | $690 | $582 | $377 | $350 | $326 | $308 | $276 |
| Travelers | $993 | $713 | $562 | $433 | $381 | $282 | $258 | $238 | $219 | $191 |
| Allstate | $1,071 | $840 | $678 | $501 | $449 | $350 | $318 | $301 | $284 | $251 |
| Progressive | $1,392 | $1,122 | $929 | $517 | $451 | $364 | $324 | $289 | $266 | $228 |
| Farmers | $1,638 | $1,212 | $1,078 | $662 | $624 | $472 | $422 | $403 | $384 | $323 |
Cost of Car Insurance for 2017 Chevrolet Cruze
| Geico | $56 | $121 |
| National General | $65 | $133 |
| Travelers | $79 | $144 |
| Progressive | $89 | $166 |
| State Farm | $89 | $185 |
| Kemper | $94 | $188 |
| AAA | $94 | $195 |
| The Hartford | $96 | $164 |
| Amica | $101 | $207 |
| Allstate | $102 | $197 |
| Nationwide | $107 | $185 |
| Farmers | $128 | $226 |
| AIG | $130 | $331 |
| Chubb | $131 | $259 |
| UAIC | $141 | $177 |
2017 Chevrolet Cruze Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $685 | $499 | $419 | $304 | $262 | $212 | $195 | $161 | $153 | $139 |
| State Farm | $698 | $614 | $543 | $469 | $414 | $352 | $320 | $285 | $261 | $229 |
| Nationwide | $839 | $769 | $708 | $601 | $507 | $329 | $305 | $284 | $269 | $240 |
| Travelers | $865 | $621 | $490 | $377 | $332 | $246 | $224 | $207 | $191 | $166 |
| Allstate | $933 | $732 | $591 | $436 | $391 | $305 | $277 | $262 | $247 | $219 |
| Progressive | $1,213 | $977 | $810 | $451 | $393 | $317 | $283 | $252 | $232 | $199 |
| Farmers | $1,427 | $1,056 | $939 | $577 | $544 | $411 | $368 | $351 | $334 | $281 |
Cost of Car Insurance for 2016 Chevrolet Cruze
| Geico | $46 | $99 |
| National General | $53 | $109 |
| Travelers | $64 | $118 |
| Progressive | $73 | $136 |
| State Farm | $73 | $151 |
| Kemper | $77 | $153 |
| AAA | $77 | $159 |
| The Hartford | $78 | $134 |
| Amica | $83 | $169 |
| Allstate | $83 | $161 |
| Nationwide | $88 | $151 |
| Farmers | $104 | $185 |
| AIG | $106 | $271 |
| Chubb | $107 | $212 |
| UAIC | $115 | $145 |
2016 Chevrolet Cruze Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $560 | $409 | $343 | $249 | $214 | $173 | $159 | $132 | $125 | $114 |
| State Farm | $571 | $502 | $444 | $384 | $339 | $288 | $261 | $233 | $213 | $188 |
| Nationwide | $686 | $629 | $579 | $492 | $415 | $269 | $249 | $233 | $220 | $197 |
| Travelers | $708 | $508 | $401 | $308 | $271 | $201 | $184 | $169 | $156 | $136 |
| Allstate | $763 | $599 | $483 | $357 | $320 | $250 | $227 | $215 | $202 | $179 |
| Progressive | $992 | $800 | $662 | $369 | $322 | $260 | $231 | $206 | $190 | $163 |
| Farmers | $1,167 | $864 | $768 | $472 | $445 | $336 | $301 | $287 | $274 | $230 |
Chevrolet Cruze Insurance Cost by Trim
Chevrolet Cruze insurance costs vary by trim, from $245 monthly for full coverage on high-performance Lt Diesel Hatchback 4d variants to $61 for minimum coverage on basic Limited L Sedan 4d models. Performance features, rarity, and market value determine where your specific trim falls in this range.
| 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 |
Chevrolet Cruze Insurance Cost by State
Car insurance for a Chevrolet Cruze costs anywhere from $32 per month in Wyoming to $181 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the vehicle itself.
| 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 |
How to Lower the Cost of Chevrolet Cruze Insurance
These tips help you lower your Chevrolet Cruze insurance costs without sacrificing the coverage you need:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Chevrolet Cruze. If you own your vehicle, get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for compact sedans. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Cruze in markets from Detroit's automotive corridor to Miami's business districts.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service when you need claims handled quickly.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Chevrolet Cruze owners often get safety features discounts for standard equipment, good driver discounts for clean records, anti-theft discounts for security systems and bundling discounts when combining auto and home policies. These savings add up across different coverage areas.
- 5Consider alternative car insurance types
Chevrolet Cruze owners might benefit from usage-based insurance programs like Progressive Snapshot telematics or Allstate Drivewise safe driving apps that track driving habits and offer premium reductions. These programs work well for commuters in areas from Silicon Valley tech corridors to Charlotte's financial districts who drive safely and want lower rates.
- 6Check rates every year
Obtain car insurance quotes from several companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons could save up to 24% on your Chevrolet Cruze insurance. Rate changes happen frequently as insurers adjust pricing strategies and compete for customers in different markets.
Chevrolet Cruze Insurance Cost: Bottom Line
Chevrolet Cruze insurance runs about average in cost, though you'll secure better rates with smart shopping. Compare quotes from multiple insurers, maximize available discounts and adjust your coverage choices to find competitive pricing.
Chevrolet Cruze Insurance Rates: FAQ
What is the average cost of car insurance for a Chevrolet Cruze?
Chevrolet Cruze insurance costs average $1,119 annually for state minimum coverage and $2,161 for full coverage. These rates make it an affordable option compared to national averages.
What company has the cheapest car insurance for a Chevrolet Cruze?
GEICO provides the most affordable auto insurance for a Chevrolet Cruze, offering minimum coverage at $744 annually. The company also delivers the best value for full coverage policies at $1,608 per year.
Are Chevrolet Cruzes expensive to insure?
No, Chevrolet Cruze insurance is not expensive compared to most vehicles. Among sedans, this model ranks 97th out of 199 for affordability, while placing 373rd out of 827 vehicles overall.
What factors affect insurance costs for Chevrolet Cruzes?
Various elements affect your Chevrolet Cruze insurance rates. The compact sedan's reliable safety ratings and lower repair costs help keep premiums reasonable. Your driving record and credit score, plus the coverage you pick, play a big role in determining your final rate.
How can I lower Chevrolet Cruze insurance costs?
Compare quotes from several insurers since Chevrolet Cruze pricing differs between companies, and explore usage-based programs that monitor safe driving. Maximize available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Chevrolet Cruze Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine 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 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.