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Jerry Data & Research
Cheapest Chevrolet Cruze Car Insurance (Apr 2024)
Cheapest Chevrolet Cruze Car Insurance (Apr 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Chevrolet Cruze
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- How much does Chevrolet Cruze car insurance cost?
- Compare the cheapest Chevrolet Cruze car insurance quotes
- The best car insurance companies for Chevrolet Cruze owners
- Chevrolet Cruze insurance cost by model year
- 2019 Chevrolet Cruze car insurance rates
- 2018 Chevrolet Cruze car insurance rates
- 2017 Chevrolet Cruze car insurance rates
- 2016 Chevrolet Cruze car insurance rates
- 2013–2015 Chevrolet Cruze car insurance rates
- Are Chevrolet Cruzes expensive to insure?
- Methodology
- Meet our experts
Load full table of contents
How much does Chevrolet Cruze car insurance cost?
However, there is no real ‘average’ cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Chevrolet Cruze insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes
Compare the cheapest Chevrolet Cruze car insurance quotes
This may feel complicated, but it doesn’t have to be.
Jerry
is a car insurance price comparison
tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Chevrolet Cruze drivers save an average of $1,880 per year on their car insurance. However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.
To find out the rate for your Chevrolet Cruze, you’ll need to
get car insurance quotes
from at least three insurance companies. The best car insurance companies for Chevrolet Cruze owners
There’s no single best insurance company for all Chevrolet Cruze owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to
calculate your premiums
. But that doesn’t mean we can’t find the best insurance company for you.
Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How much car insurance do you need for a Chevrolet Cruze?
The average cost of Chevrolet Cruze insurance is $186 per month for full coverage and $105 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more.
| Car | Average Full Coverage Insurance Cost | Average State Minimum Insurance Cost |
|---|---|---|
Chevrolet Cruze | $186 | $105 |
- Minimum coverage insuranceis the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance.
- Full coverage insuranceprovides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.
While knowing auto insurance averages can be useful, getting personalized quotes is
the best way to shop for insurance
. Jerry makes quote shopping easy, finding you the best coverage at the best rate. Learn more about car insurance for other models
Why are some trims more expensive to insure than others?
Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies.
Check out the table below to see the average cost of auto insurance for some popular Chevrolet Cruze trims.
| Car | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
Cruze Chevrolet | $94 | $188 |
Cruze Chevrolet ECO | $114 | $179 |
Cruze Chevrolet L | $122 | $258 |
Cruze Chevrolet Limited ECO | $79 | $189 |
Cruze Chevrolet Limited LS | $124 | $179 |
Cruze Chevrolet Limited LT | $111 | $183 |
Cruze Chevrolet Limited LTZ | $108 | $213 |
Cruze Chevrolet LS | $103 | $182 |
Cruze Chevrolet LT | $103 | $187 |
Cruze Chevrolet LTZ | $101 | $196 |
Cruze Chevrolet Premier | $118 | $179 |
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Chevrolet Cruze insurance cost by model year
The more recently your Chevrolet Cruze was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Chevrolet Cruzes provided by Jerry to better understand how your driver profile might affect your cost.
Take a look at some of the average costs for full coverage and minimum coverage policies for different Chevrolet Cruze model years and trim levels to see how each factor can affect your rates.
2019 Chevrolet Cruze car insurance rates
Model | Average monthly minimum coverage cost | Average monthly full coverage cost |
|---|---|---|
2019 Chevrolet Cruze Premier | $30 | $106 |
2019 Chevrolet Cruze L | $59 | $117 |
2019 Chevrolet Cruze | $80 | $223 |
2019 Chevrolet Cruze LT | $108 | $255 |
2019 Chevrolet Cruze LS | $118 | $255 |
2018 Chevrolet Cruze car insurance rates
Model | Average monthly minimum coverage cost | Average monthly full coverage cost |
|---|---|---|
2018 Chevrolet Cruze Premier | $71 | $184 |
2018 Chevrolet Cruze LT | $103 | $236 |
2018 Chevrolet Cruze L | $105 | $223 |
2018 Chevrolet Cruze LS | $108 | $237 |
2017 Chevrolet Cruze car insurance rates
Model | Average monthly minimum coverage cost | Average monthly full coverage cost |
|---|---|---|
2017 Chevrolet Cruze L | $92 | $200 |
2017 Chevrolet Cruze LS | $95 | $219 |
2017 Chevrolet Cruze LT | $101 | $221 |
2017 Chevrolet Cruze Premier | $127 | $278 |
2016 Chevrolet Cruze car insurance rates
Model | Average monthly minimum coverage cost | Average monthly full coverage cost |
|---|---|---|
2016 Chevrolet Cruze Limited LTZ | $85 | $199 |
2016 Chevrolet Cruze Limited ECO | $89 | $211 |
2016 Chevrolet Cruze Limited L | $91 | $199 |
2016 Chevrolet Cruze L | $91 | $217 |
2016 Chevrolet Cruze Limited LS | $94 | $196 |
2016 Chevrolet Cruze Premier | $96 | $197 |
2016 Chevrolet Cruze LS | $100 | $213 |
2016 Chevrolet Cruze LT | $101 | $208 |
2016 Chevrolet Cruze Limited LT | $105 | $213 |
2013–2015 Chevrolet Cruze car insurance rates
Model | Average monthly minimum coverage cost | Average monthly full coverage cost |
|---|---|---|
2013 Chevrolet Cruze | $118 | $210 |
2014 Chevrolet Cruze | $97 | $200 |
2015 Chevrolet Cruze | $110 | $228 |
See all Chevrolet Cruze insurance information by year
Are Chevrolet Cruzes expensive to insure?
The average Chevrolet Cruze insurance rate is $105 per month. Compared to the national average for other models from a similar price range, it is 20% less expensive to insure a Chevrolet Cruze .
| Car | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
Chevrolet Cruze | $105 | $186 |
Toyota Supra | $71 | $210 |
Mini Cooper | $90 | $166 |
Jeep Compass | $102 | $174 |
Buick LeSabre | $80 | $137 |
Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.
Chevrolet Cruze safety features
The safety features of a model will also impact your insurance costs.
A vehicle with more advanced safety features poses a lower risk to insurance companies. As a result, insurance costs will be lower for vehicles with more (and better) safety features.
The Chevrolet Cruze has a variety of safety features. Learn more about them below.
| Safety feature | Description |
|---|---|
Security system | The vehicle is equipped with a means of anticipating and/or detecting unwanted vehicle intrusion. The vehicle is equipped with an ignition disable device that will prevent the engine from starting if the correct original manufacturer key is not used. |
Anti-lock brakes | ABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate.This increases the vehicles ability to turn while braking. |
Overhead airbags | Overhead airbags are used to protect the occupant's heads in the event of a side collision or rollover. |
Knee airbags | Knee airbags help to protect the occupants lower extremities from serious injury in the event of an accident. |
Pretensioners | Seatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision. |
Side impact airbags | Side impact airbags for the front and rear seats have been designed to protect the torso during a side impact collision. |
Stability control | Stability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle. |
Front-impact airbags | Front-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash. |
What other factors affect Chevrolet Cruze insurance rates?
- The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
- Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.
Chevrolet Cruze insurance cost for young drivers
Teen drivers
between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.Here’s the average rates for teen drivers with a Chevrolet Cruze for both full and minimum coverage.
Ages | Average monthly minimum coverage cost | Average monthly full coverage cost |
|---|---|---|
< 18 | $309 | $456 |
18–21 | $138 | $275 |
Chevrolet Cruze insurance cost for senior drivers
As you enter your mid-70s, car insurance costs begin to climb again.
Car insurance rates for seniors
tend to be higher for several reasons. Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.
Ages | Average monthly minimum coverage cost | Average monthly full coverage cost |
|---|---|---|
55–64 | $137 | $271 |
65+ | $136 | $273 |
Chevrolet Cruze insurance cost for drivers with driving violations
Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.
If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance for Chevrolet Cruze drivers with speeding ticket
There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.
On average, Chevrolet Cruze owners pay approximately $203 per month for car insurance after a minor speeding ticket.
On average, Chevrolet Cruze owners pay approximately $203 per month for car insurance after a minor speeding ticket.
Cheapest car insurance for Chevrolet Cruze drivers with a DUI record
If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another.
The table below shows how a DUI can impact your Chevrolet Cruze car insurance costs. As a result, you may need to compare rates from many insurance companies to find low-cost options after a DUI.
Violation | Average monthly full coverage cost |
|---|---|
DUI | $205 |
Cheapest car insurance for Chevrolet Cruze drivers after an accident
One of the most important factors affecting car insurance rates is your car accident or claim history.
If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Chevrolet Cruze drivers save on car insurance after car accidents.
Cheapest car insurance for Chevrolet Cruze drivers with other driving violations on their record
Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase.
We’ve compiled a list of various other driving violations and how we helped Chevrolet Cruze drivers with these violations save on their car insurance.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Illegal Turn | Chevrolet Cruze LS | Progressive | $131 | Terry, 26 | • State Minimum Liability |
Defective Equipment | Chevrolet Cruze LS | Safeco | $137 | Johanna, 53 | • State Minimum Liability • Comp / Collision |
Failure to Yield | Chevrolet Cruze LT | Nationwide | $157 | Seth, 27 | • 100,000/300,000 Liability • Comp / Collision |
Wrong Way/Wrong Lane | Chevrolet Cruze Limited LTZ | Bristol West | $295 | Elmer, 31 | • State Minimum Liability • Comp / Collision |
Cell Phone | Chevrolet Cruze LT | Allstate | $274 | Mayme, 34 | • 50,000/100,000 Liability • Comp / Collision |
Careless Driving | Chevrolet Cruze LT | Clearcover | $78 | Albert, 31 | • 50,000/100,000 Liability • Comp / Collision |
Driving on Sus. License | Chevrolet Cruze LT | Nationwide | $88 | Barry, 33 | • 50,000/100,000 Liability • Comp / Collision |
Failure to Yield | Chevrolet Cruze LS | Progressive | $149 | David, 29 | • No Coverage Liability |
Seat Belt | Chevrolet Cruze LT | Bristol West | $106 | Curtis, 25 | • State Minimum Liability |
Improper Passing | Chevrolet Cruze LS | National General | $160 | Bertie, 26 | • 30,000/60,000 Liability |
Last Updated Apr 23, 2024Compare insurance costs for other cars
How can I lower the cost of insurance for my car?
There are a variety of ways to lower insurance costs for your vehicle.
- Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
- Raise your deductible: Yourcar insurance deductibleis the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
- Reduce your coverage: If you have any older cars, you canreduce coverageon them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
- Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
- Bundle your insurance policies:Bundling your homeowners and auto insurancewith the same company can amount to a lower overall bill.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
