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Cheapest Chevrolet Cruze Car Insurance (Mar 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
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Chevrolet Cruze car insurance cost? 

On average, Chevrolet Cruze drivers spend $105 each month on state minimum car insurance and $186 per month for full coverage. Compared to other popular cars like the Mini Cooper, Bmw X5, and Lincoln Navigator, the Chevrolet Cruze is 21% less expensive to insure. 
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 $1,893 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 CompanyOverall RatingPriceClaims ExperienceCustomer 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
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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. 
CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Chevrolet Cruze
$186
$105
  • Minimum coverage insurance
    is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance. 
  • Full coverage insurance
    provides 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.

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.
CarMonthly minimum coverage costMonthly 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
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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

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 21% less expensive to insure a Chevrolet Cruze .
CarMonthly minimum coverage costMonthly full coverage cost
Chevrolet Cruze
$105
$186
Toyota Tacoma
$82
$148
Mini Cooper
$90
$166
Jeep Wrangler
$85
$150
Buick LaCrosse
$92
$178
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 featureDescription
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.
Front-impact airbags
Front-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash.
Side impact airbags
Side impact airbags for the front and rear seats have been designed to protect the torso during a side impact collision.
Pretensioners
Seatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a 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.
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.
Knee airbags
Knee airbags help to protect the occupants lower extremities from serious injury in the event of an accident.
Overhead airbags
Overhead airbags are used to protect the occupant's heads in the event of a side collision or rollover.

What other factors affect Chevrolet Cruze insurance rates?

Many factors influence your
car insurance rate
, such as:
  • 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.

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.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Chevrolet Cruze LSProgressive
$131
• State Minimum Liability
Defective Equipment
Chevrolet Cruze LSSafeco
$137
• State Minimum Liability
• Comp / Collision
Failure to Yield
Chevrolet Cruze LTNationwide
$157
• 100,000/300,000 Liability
• Comp / Collision
Wrong Way/Wrong Lane
Chevrolet Cruze Limited LTZBristol West
$295
• State Minimum Liability
• Comp / Collision
Cell Phone
Chevrolet Cruze LTAllstate
$274
• 50,000/100,000 Liability
• Comp / Collision
Careless Driving
Chevrolet Cruze LTMercury
$368
• 15,000/30,000 Liability
• Comp / Collision
Driving on Sus. License
Chevrolet Cruze LTMercury
$152
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Chevrolet Cruze LTInfinity
$199
• State Minimum Liability
• Comp / Collision
Seat Belt
Chevrolet Cruze LTProgressive
$183
• State Minimum Liability
Improper Passing
Chevrolet Cruze LTBristol West
$234
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 2, 2024

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: Your
    car insurance deductible
    is 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 can
    reduce coverage
    on 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 insurance
    with 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

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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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.