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
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.
Chevrolet Cruze premiums range from $71 a month for older models to $239 for the newest. Newer vehicles cost more to insure because their higher market value costs 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 |
Rates vary by model year and insurer. GEICO is cheapest for the Chevrolet Cruze at $134 a month for full coverage and $62 for minimum. AIG charges the most for full at $355 and UAIC the most for minimum at $155.
Minimum coverage varies by more than $93 between insurers. Full coverage varies by more than $221. Each company calculates model-specific risk differently, which affects your final rate.
| 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?
Among 200 sedans, the Chevrolet Cruze ranks 97th for insurance affordability. It's a few dollars a month more than a Kia Borrego and a few less than a Toyota Corolla.
Across all 827 vehicles in MoneyGeek's database, the Cruze ranks 373rd, so it's in the top half for affordability overall. The Saturn S-Series is the cheapest sedan to insure. The Cadillac CTS-V is the most expensive.
| 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: Chevrolet Cruze repairs average $687 a year, and it's 18th most affordable among 38 Chevrolet models. Lower repair costs keep premiums below most of its class.
- Vehicle Trim, Features and Accessories: Horsepower ranges from 153 to 240 depending on trim. Higher-performance variants cost more to insure because more power raises claim risk.
- Driver Profile: Most Cruze owners are 25 to 34 with a median age around 30, an age range that typically sees higher rates because of limited experience. The Cruze's performance profile can draw higher-risk drivers, which insurers price in. 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
Coverage needs depend on how you own the car.
Own it outright (lower cost):
- State minimum liability requirements
- Comprehensive and collision with a $1,000 deductible
Own it outright (more coverage):
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
- 2Research costs and cheap companies
Check average auto insurance costs for compact sedans before you shop. That number tells you whether a quote is competitive. Use it alongside a list of the cheapest car insurance companies to find a better price.
- 3Look for more than just low rates
Price isn't everything with car insurance. Check J.D. Power satisfaction ratings, Better Business Bureau complaints and AM Best financial stability scores. Forum reviews on claims handling are worth reading too. A cheap policy with slow or disputed claims can cost more than a slightly higher premium from a reliable insurer.
- 4Check discounts you qualify for
Check every car insurance discount before buying. Chevrolet Cruze owners commonly qualify for safety features discounts, good driver discounts for clean records, anti-theft discounts and bundling discounts for combining auto and home policies.
- 5Consider alternative car insurance types
Usage-based programs like Progressive Snapshot or Allstate Drivewise track your driving and lower premiums for safe habits. Safe, low-mileage commuters see the biggest savings.
- 6Check rates every year
Get car insurance quotes from multiple companies each year. Insurers don't tell you when competitors drop their prices. Annual comparisons can save up to 24%, so set a reminder at each renewal.
Chevrolet Cruze Insurance Cost: Bottom Line
Chevrolet Cruze insurance costs are close to average. To cut your rate, compare quotes from multiple insurers, claim every available discount and choose the right coverage level for your vehicle's value.
Chevrolet Cruze Insurance Rates: FAQ
What is the average cost of car insurance for a Chevrolet Cruze?
Chevrolet Cruze insurance averages $1,119 a year for minimum coverage and $2,161 for full. Both figures are near or below the national average.
What company has the cheapest car insurance for a Chevrolet Cruze?
GEICO is cheapest for both coverage levels at $744 a year for minimum and $1,608 for full.
Are Chevrolet Cruzes expensive to insure?
No. The Cruze ranks 97th out of 199 sedans and 373rd out of 827 total vehicles for insurance affordability, so it's solidly mid-range across both categories.
What factors affect insurance costs for Chevrolet Cruzes?
The Chevrolet Cruze's safety ratings and below-average repair costs keep premiums lower than most of its class. Your driving record, credit score and coverage level are the biggest factors in your final rate.
How can I lower Chevrolet Cruze insurance costs?
Compare quotes from at least three insurers because Chevrolet Cruze pricing varies between companies. Ask about usage-based programs that track your driving. Claim every available discount, bundle policies and keep your record clean.
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
Our baseline is a 40-year-old unmarried male with a clean record, good credit, no prior claims, a valid license with no suspensions and about 12,000 miles driven a year.
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: $100,000/$300,000/$100,000 liability with comprehensive and collision coverage and a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.