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

The average car insurance rate for a Chevrolet Cruze is $1,277 per year. Compared to average rates across all car models, Chevrolet Cruze insurance rates are inexpensive. Individual rates, however, may vary depending on the car model year and the auto insurer. To find the best deals, shop around and compare prices.

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When shopping for an auto insurance policy, comparing prices from different auto insurance companies can help you get the best price. Each insurer has a different rate depending on the car model. Your unique Chevrolet Cruze insurance quote will be based on your driver profile and your car’s model year.

Key Takeaways

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The average insurance for a Chevrolet Cruze is inexpensive. It typically costs $1,277 per year, which is $151 less than the national average.

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The cost to insure a Chevrolet Cruze can change by as much as $673 per year depending on the auto insurance carrier. It pays to compare rates.

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Auto insurance prices for a Chevrolet Cruze can change by as much as $223 per year depending on the model year of the car, with cheaper rates for older versions.

How Much It Costs to Insure a Chevrolet Cruze and the Cheapest Company

The insurance provider you choose impacts how much your Chevrolet Cruze insurance will be. The average rate for this car model is $1,277 per year, but individual rates will vary depending on the insurer.

The average rate for a USAA policy for a Chevrolet Cruze is $1,019 per year, which is the cheapest average insurance rate. At the high end is Allied, with an average annual rate of $1,691. That is a difference of $673.

The Average Annual Cost of Chevrolet Cruze Insurance by Company

MoneyGeek gathered insurance rates from different auto insurance providers using a base profile. The sample driver is someone who has 100/300/100 liability insurance with comprehensive and collision coverage.

The Average Cost to Insure a Chevrolet Cruze by Company

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Is a Chevrolet Cruze Expensive to Insure?

Various factors affect the cost of a car insurance policy. For instance, companies consider the value of the car model, theft rates, horsepower and more.

Chevrolet Cruze is inexpensive to insure compared to other models. Insurance providers tend to charge less to cover certain models due to lower vehicle value. Cheaper cars cost less to repair. Insurers also typically charge less for vehicles with low horsepower since they are less likely to get into serious car accidents.

The Best Car Insurance Company for a Chevrolet Cruze

When looking to buy an auto insurance policy, it is important to consider Chevrolet Cruze insurance rates. But it should not be the only basis.

To find the best car insurance provider for a Chevrolet Cruze, MoneyGeek ranked companies by affordability, customer complaints, customer satisfaction and financial stability. According to the results:

  • USAA has the highest score due to its high ratings across categories. Only military members and their families can purchase USAA policies.
  • GEICO came in second place.

1
USAA
Score:99

5/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:87

4.8/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
Progressive
Score:84

4.5/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

4
State Farm
Score:80

4/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

5
Allstate
Score:69

3/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

How Much It Costs to Insure a Chevrolet Cruze by Model Year

Collision and comprehensive insurance tend to become less expensive for older car models since a car’s value depreciates over time. The average cost of auto insurance for a Chevrolet Cruze can change by up to $223 yearly depending on the model year.

A 2011 Chevrolet Cruze has an average insurance rate of $1,132 per year. Insurance for a 2020 model costs roughly $1,355 annually.

Different companies may offer cheaper insurance rates depending on the model year. For a 2020 Chevrolet Cruze, USAA has the cheapest average rate at $1,017 annually.

Check how rates compare between insurers by selecting the model year of your Chevrolet Cruze below.

The Average Cost to Insure a Chevrolet Cruze by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2016 model)
    Average Annual Rates (2011 model)
  • 1.
    $1,017
    $1,028
    $1,050
    $1,051
    $1,032
    $934
  • 2.
    $1,177
    $1,103
    $1,095
    $1,050
    $1,021
    $979
  • 3.
    $1,198
    $1,196
    $1,165
    $1,155
    $1,142
    $1,049
  • 4.
    $1,334
    $1,368
    $1,348
    $1,331
    $1,244
    $1,165
  • 5.
    $1,423
    $1,442
    $1,461
    $1,477
    $1,510
    $1,385

How Expensive Is It to Insure a Chevrolet Cruze Compared to Other Cars?

Chevrolet Cruze insurance rates are inexpensive. The average cost is $1,277 a year, compared to the average annual rate of $1,427 across all car models. It is way cheaper than the rates for luxury brands like Tesla and BMW. However, some car models may have cheaper insurance rates than Chevrolet Cruze. Examples of these include the Jeep Patriot and Honda CR-V.

How Much It Costs to Insure a Chevrolet Cruze for 16- to 25-Year-Olds

The lack of experience on the road makes Chevrolet Cruze insurance rates higher for younger drivers since they are riskier to insure.

18-year-old Chevy Cruze drivers pay an average of $4,167 per year. The average rate for a 40-year-old driver is only $2,890 per year.

Buying a separate auto insurance policy can be very expensive for teenage drivers. A great way to save money for parents to add their teens to their policy.

You can find Chevrolet Cruze insurance rates for young drivers aged 16 to 25 below.

The Average Cost to Insure a Chevrolet Cruze by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $5,342
  • 17
    $4,732
  • 18
    $4,167
  • 19
    $2,984
  • 20
    $2,664
  • 21
    $2,109
  • 22
    $1,942
  • 23
    $1,777
  • 24
    $1,668
  • 25
    $1,514
  • 40
    $1,277

How Does Location Affect the Cost of Chevrolet Cruze Insurance?

All prices indicated are based on national average insurance rates. Your location will have a huge impact on your Chevrolet Cruze insurance cost. Find out more about car insurance rates in individual states with MoneyGeek’s state page analysis.

FAQs About Chevrolet Cruze Insurance

The model of your car plays a big role in determining how much your insurance premium rate will be. However, other factors will also affect the final cost. Find out more about Chevrolet Cruze insurance rates below.

Read More About Car Insurance

Methodology

MoneyGeek gathered average insurance rates from different car insurance providers for a Chevrolet Cruze L across all available model years for a full coverage policy with:

  • $100,000 in bodily injury liability insurance per person
  • $300,000 in bodily injury liability insurance per accident
  • $100,000 in property damage liability insurance per accident
  • Comprehensive and collision insurance with a $1,000 deductible

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.