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: November 16, 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 |
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:
How to Lower the Cost of Chevrolet Cruze Insurance
Below we detail the best ways to secure affordable car insurance for your Chevrolet Cruze:
- 1Choose the right coverage
You'll need to determine how much coverage to buy for your Cruze. If you own your Chevrolet, you can purchase your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to reduce costs. If you want better protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. If you're financing or leasing, your lender requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Research costs and cheap companies
Get a sense of typical pricing by checking average auto insurance costs for compact sedans. This baseline helps you spot good deals when shopping for the cheapest car insurance companies.
- 3Look for more than just low rates
Selecting dependable car insurance means evaluating insurers beyond price. Read forum reviews about real customer experiences, check J.D. Power satisfaction ratings, examine Better Business Bureau complaints and verify AM Best financial ratings. Budget insurers may have slower claims or coverage gaps.
- 4Explore discounts you qualify for
Find car insurance discounts that apply to your situation. Chevrolet Cruze owners typically qualify for good student discounts, safety features discounts, bundling discounts, paperless billing discounts and good driver discounts.
- 5Consider alternative car insurance types
Try usage-based insurance or GEICO DriveEasy if you're a safe driver with low mileage. These programs reward careful driving with premium reductions.
- 6Check rates every year
Review car insurance quotes from multiple companies annually. Rates change constantly, and switching insurers when a better deal emerges can reduce your Chevrolet Cruze insurance by up to 24%.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.