Compare the Cost of Chevrolet Cruze Insurance by Model Year and Company


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ByMark Fitzpatrick
Edited byVictoria Copans
ByMark Fitzpatrick
Edited byVictoria Copans

Updated: May 20, 2024

Advertising & Editorial Disclosure

Rates can vary greatly by driver age and the vehicle model year. A 40-year old driver of a 2011 Chevrolet Cruze, for example, should expect to pay around $1,276 annually for car insurance. However, average rates are over four times as high ($5,917 per year) for a 16-year old driving the same vehicle. Meanwhile, a 2019 Chevrolet Cruze costs $1,543 annually for a 40-year old driver, and $7,017 per year for a 16-year old driver.

MoneyGeek also ranked insurers based on how they balance affordability with service and claims experience.

MoneyGeek Logo IconCar Insurance CostsChevrolet Cruze
2024

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze average rates for a Chevrolet Cruze.

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These rates were updated to reflect the average cost of car insurance for a Chevrolet Cruze as of 2023.

10Companies Compared
 
26,892 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Chevrolet Cruze

Insuring a Chevrolet Cruze typically costs $1,455 per year on average. However, the insurance provider you decide to go with will affect the price you pay.

State Farm is the cheapest car insurance company for a Chevrolet Cruze at $1,111 per year for full coverage, while Farmers is the most expensive at $1,759 per year. For state minimum coverage, State Farm provides the cheapest option at $525 per year, whereas Farmers has the highest rates at $855 per year.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,111
GEICOAverage Annual Premium$1,147
AllstateAverage Annual Premium$1,324
NationwideAverage Annual Premium$1,496
TravelersAverage Annual Premium$1,507
ProgressiveAverage Annual Premium$1,535
FarmersAverage Annual Premium$1,759

Is a Chevrolet Cruze Expensive to Insure?

Insurance providers take various factors into account when determining insurance rates for a given Chevrolet Cruze. Compared to other vehicle types, the Chevrolet Cruze is considered moderate to insure. One reason it's not cheap to insure is due to its higher-than-average theft rate, according to the National Highway Traffic Safety Administration (NHTSA). However, its low MSRP of $16,162 keeps its average insurance costs lower than some other car models.

Best Companies for Insuring a Chevrolet Cruze

When looking for the best insurance for your Chevrolet Cruze, it's important to consider service quality and claims experience in addition to cost.

The best car insurance providers for Chevrolet Cruze owners are:

  • State Farm: MoneyGeek score 90 out of 100 ($1,111 per year)
  • GEICO: MoneyGeek score 89 out of 100 ($1,147 per year)

State Farm received the best MoneyGeek score thanks to its high rankings for affordability and customer satisfaction. These ratings indicate that the company provides great service at a reasonable cost.

MoneyGeek Top Pick: State Farm

State Farm

pros

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Offers the cheapest rates for a Chevrolet Cruze

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Received an above-average customer satisfaction ratings

cons

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No accident forgiveness or deductible modification coverage

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Has a poor claims management score

COMPANY HIGHLIGHTS

State Farm offers the best car insurance for a Chevrolet Cruze, with the cheapest rates out of the insurers we evaluated and a high customer satisfaction score. You can get coverage with this company for an affordable premium, but you may find its add-on coverage options lacking.

However, the essential coverages it offers can come in handy for most drivers. For example, roadside assistance saves you the trouble of figuring out how to bring your car to the nearest repair shop if it breaks down on the road. It also covers the cost of delivering gas, oil, tires or a battery to your location. This add-on pays for an hour's labor for locksmith services, electrical problems, transmission issues or other mechanical concerns.

You can also add State Farm's rental car and travel reimbursement to your policy. This coverage helps pay for the cost of a rental car if your Chevrolet Cruze is in the shop following an accident. It also covers travel expenses, such as lodging or meals, up to $500. If you cause an accident while driving a rental, this add-on also repays up to $500 of your deductible.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

pros

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Offers the second-cheapest rates in our comparison group

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Has a high customer satisfaction score

cons

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Doesn't offer gap insurance or deductible modification coverage

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Has a below-average claims handling rating

COMPANY HIGHLIGHTS

GEICO is a solid car insurance option for a Chevrolet Cruze, offering quality service at an affordable rate. It also has a menu of add-on coverage options, helping you customize your policy as needed.

One of these options is its Mechanical Breakdown Insurance, which isn't limited to a specific list of items. It covers all your vehicle's parts and systems, making it a more cost-effective option than the typical extended warranty dealers offer. GEICO's MBI is available to cars fewer than 15 months old with a mileage of under 15,000.

Despite GEICO's affordable premiums, an accident raises your insurance costs. You can avoid this with its Accident Forgiveness coverage, which prevents your premium from increasing even after your first at-fault collision. You can purchase it as an add-on coverage or earn it by remaining accident-free for five years. Accident Forgiveness is not available in California.

Read MoneyGeek's GEICO Auto Insurance Review

Cost of Insuring a Chevrolet Cruze by Model Year

The average cost of car insurance for a 2011 Chevrolet Cruze is $1,276 per year, while insuring a 2019 Chevrolet Cruze costs around $1,543 per year, which is a $267 difference. Newer vehicles typically cost more to insure than older ones since they generally have higher values and repair costs.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
2019Average Annual Premium$1,543
2018Average Annual Premium$1,498
2017Average Annual Premium$1,475
2016Average Annual Premium$1,441
2015Average Annual Premium$1,408
2014Average Annual Premium$1,341
2013Average Annual Premium$1,332
2012Average Annual Premium$1,296
2011Average Annual Premium$1,276

In addition to the model year, average car insurance rates will also vary by insurer. For instance, State Farm provides the most affordable policy if you have a 2011 Chevrolet Cruze at $975 per year. On the other hand, drivers of a 2019 model will find the cheapest rates from GEICO at $1,234 per year.

Data filtered by:Results filtered by:
Model Year:
Model Year:2019
Age:
Age:40
Coverage:
Coverage:Full Coverage
GEICOAverage Annual Premium$1,243
State FarmAverage Annual Premium$1,293
AllstateAverage Annual Premium$1,510
NationwideAverage Annual Premium$1,547
ProgressiveAverage Annual Premium$1,677
TravelersAverage Annual Premium$1,724
FarmersAverage Annual Premium$1,927

Cost of Insuring a Chevrolet Cruze for 16- to 25-Year-Olds

Teenagers and those in their 20s pay much higher rates than those in their 30s and older. The average cost of insuring a Chevrolet Cruze for a 16-year-old driver is $6,445 per year, whereas a 40-year-old driver pays an average of $1,401 per year. However, teen car insurance costs typically decrease steadily as they age through their teens and tend to steady as they reach their 20s.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
16Average Annual Premium$6,445
17Average Annual Premium$5,238
18Average Annual Premium$4,601
19Average Annual Premium$3,183
20Average Annual Premium$2,880
21Average Annual Premium$2,212
22Average Annual Premium$2,045
23Average Annual Premium$1,902
24Average Annual Premium$1,806
25Average Annual Premium$1,627

One of the most cost-effective ways to get coverage for teens is to add them to a family policy as the cost of individual car insurance policies for teenagers is significantly higher. It's also important to keep in mind that in most cases, teens under 18 cannot legally purchase their own policy without a parent or guardian agreeing to cosign.

A 16-year-old with a 2019 Chevrolet Cruze will find the least expensive rates for an individual policy from State Farm, with an average yearly premium of $4,141. Farmers is the most expensive insurer, with a yearly cost of $9,726.

Teens and their families should explore various insurance options to find the most affordable policy for their Chevrolet Cruze.

Data filtered by:Results filtered by:
Age:
Age:16
Model Year:
Model Year:2019
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$4,141
GEICOAverage Annual Premium$5,906
NationwideAverage Annual Premium$6,179
TravelersAverage Annual Premium$7,098
AllstateAverage Annual Premium$7,228
ProgressiveAverage Annual Premium$9,107
FarmersAverage Annual Premium$9,726

How Does Location Affect the Cost of Chevrolet Cruze Insurance?

While multiple factors influence car insurance costs, location can be one of the most important. The cheapest car insurance company for a particular car model can differ between states. For instance, Idaho has the lowest average rates, while New York has the highest. When purchasing car insurance for a Chevrolet Cruze, it's wise to get quotes from the cheapest insurance companies in your state to compare rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AlabamaCheapest CompanyNationwideAnnual Premium$709Monthly Premium$59
AlaskaCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
ArizonaCheapest CompanyRoot Insurance CompanyAnnual Premium$682Monthly Premium$57
ArkansasCheapest CompanyState FarmAnnual Premium$629Monthly Premium$52
CaliforniaCheapest CompanyAAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ColoradoCheapest CompanyAmerican National P&CAnnual Premium$541Monthly Premium$45
ConnecticutCheapest CompanyGEICOAnnual Premium$693Monthly Premium$58
DelawareCheapest CompanyState FarmAnnual Premium$881Monthly Premium$73

Frequently Asked Questions About Chevrolet Cruze Insurance

To help you in your search for car insurance, MoneyGeek answered some of the most common questions that Chevrolet Cruze owners have about cost and quality.

What company has the cheapest car insurance for a Chevrolet Cruze?
What company offers the best car insurance for a Chevrolet Cruze?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.