The average annual full coverage car insurance for a Chevrolet Cruze ranges from $970 with USAA to $6,093 for a 16-year-old driver. Rates vary greatly depending on the car's model year, driver's age, location, driving record and insurer. This MoneyGeek article breaks down Chevrolet Cruze insurance costs, coverage and the best companies for affordable options.
Chevrolet Cruze Insurance Cost
Updated: March 12, 2025
Key Takeaways
State Farm and GEICO offer the most affordable minimum coverage at $525 for a Chevy Cruze.
For a Chevrolet Cruze, the average annual cost is $656 for minimum coverage and $1,381 for full coverage.
MoneyGeek's analyzed data from 2,689 Chevrolet Cruze quotes from Quadrant Information Services, ensuring a comprehensive overview of insurance costs.
Chevrolet Cruze Insurance Rates
What Is the Average Chevrolet Cruze Car Insurance Cost?
Expect to pay $115 per month or $1,381 per year for full coverage insurance on a Chevrolet Cruze. This estimate is based on a 40-year-old male with a clean driving record. Minimum coverage averages $55 per month or $656 per year.
| Minimum Coverage | $656 |
| Full Coverage | $1,381 |
Chevrolet Cruze Insurance Costs by Company
Chevrolet Cruze insurance costs range from $998 to $1,848 annually, varying by age, model year and coverage level. Below is a comparison of average Chevrolet Cruze insurance rates versus the averages for all vehicles from several national and mid-size providers.
| Allstate | $1,387 | $1,812 | -23% |
| Auto-Owners | $1,153 | $1,227 | -6% |
| Farmers | $1,835 | $1,955 | -6% |
| GEICO | $1,164 | $1,332 | -13% |
| Kemper | $1,848 | $2,213 | -16% |
| Nationwide | $1,585 | $1,587 | 0% |
| Progressive | $1,583 | $1,743 | -9% |
| State Farm | $1,148 | $1,269 | -10% |
| Travelers | $1,542 | $1,520 | 1% |
| USAA | $998 | $1,200 | -17% |
Read more: Best Car Insurance Companies
Cost of Insuring a Chevrolet Cruze by Model Year
The year your Chevrolet Cruze was produced affects your insurance rates, with older models typically costing less to insure. For example, full coverage for a 2019 model costs around $1,541 annually, while a 2011 model costs as low as $1,255. Below are the average full and minimum coverage rates for every Cruze production year.
| 2019 | $667 | $1,541 |
| 2018 | $668 | $1,504 |
| 2017 | $666 | $1,468 |
| 2016 | $678 | $1,432 |
| 2015 | $687 | $1,396 |
| 2014 | $655 | $1,357 |
| 2013 | $674 | $1,317 |
| 2012 | $666 | $1,278 |
| 2011 | $663 | $1,255 |
Chevrolet Cruze Insurance Costs by Driver Age
Chevrolet Cruze insurance rates vary greatly based on the driver's age. For example, 16-year-olds pay an average of $6,093 annually for full coverage, while 40-year-olds pay $1,394. Below are the average minimum and full coverage rates for Chevy Cruze drivers of different ages.
| 16 | $3,087 | $6,093 |
| 17 | $2,505 | $4,961 |
| 18 | $2,187 | $4,368 |
| 19 | $1,548 | $3,097 |
| 20 | $1,390 | $2,813 |
| 21 | $1,100 | $2,265 |
| 22 | $1,002 | $2,080 |
| 23 | $930 | $1,943 |
| 24 | $882 | $1,849 |
| 25 | $783 | $1,653 |
| 26 | $760 | $1,594 |
| 27 | $743 | $1,560 |
| 28 | $731 | $1,536 |
| 29 | $720 | $1,515 |
| 30 | $696 | $1,462 |
| 35 | $677 | $1,419 |
| 40 | $669 | $1,394 |
| 45 | $664 | $1,377 |
| 50 | $647 | $1,336 |
| 55 | $629 | $1,299 |
| 60 | $629 | $1,294 |
| 65 | $671 | $1,352 |
| 70 | $729 | $1,448 |
| 75 | $809 | $1,588 |
| 80 | $916 | $1,770 |
| 85 | $991 | $1,899 |
| 90 | $1,046 | $1,990 |
Chevrolet Cruze Insurance Rates Explained
Many factors affect your car insurance rates based on your driver profile. However, insurers also consider factors tied to your vehicle. Below is a list of car-related cost factors, such as its make, model, year, safety features and repair costs.
Chevrolet Cruze Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Chevrolet Cruze
Average Full Coverage Rate
$1,381Premiums for Chevrolet Cruze are:$85 more
This is 7% more expensive.
Value
Lower MSRPs, like the Chevrolet Cruze's $24,395, which classifies it as a compact car, often reduce premiums.
Repair costs
The annual repair cost for the Chevrolet Cruze is $545, lower than the national average. Easier and cheaper repairs can lead to lower insurance costs.
Performance
The Chevrolet Cruze has a horsepower range of 137 to 153 and isn't considered a high-performance vehicle. This may result in lower insurance costs.
Vehicle age
Newer cars like the Chevrolet Cruze are typically more expensive to insure than older vehicles. However, collector and classic vehicles can be very expensive to insure.
Safety features
Safety features like stability control, airbags, and antilock brakes may earn insurance discounts. The Chevrolet Cruze has a 5-star NHTSA safety rating.
Vehicle size
Larger vehicles often cost more to insure due to higher property damage risk. As a smaller vehicle weighing 2,989 lbs, the Chevrolet Cruze may have moderate insurance costs.
Trim level
Premium upgrades raise the Chevrolet Cruze's MSRP, making higher trims cost more to insure than the base model.
Cheapest Chevrolet Cruze Insurance
State Farm and GEICO offer the cheapest Chevrolet Cruze insurance at $525 annually for minimum coverage, based on a 40-year-old male with a clean driving record. Below is a breakdown of the most affordable car insurance rates by coverage, age, driving record and model year.
Cheapest Chevrolet Cruze Insurance by Coverage Level
Your coverage level greatly influences your Chevrolet Cruze insurance rate. GEICO offers the most affordable minimum coverage, while State Farm provides the cheapest full coverage. Below is a breakdown of low-cost providers for both coverage types.
Cheapest Chevrolet Cruze Minimum Coverage
For a Chevrolet Cruze, State Farm and GEICO offer the cheapest minimum coverage at $44 per month, followed by Allstate at $57 and Travelers and Progressive at $60.
| USAA | $35 | $425 |
| State Farm | $44 | $525 |
| GEICO | $44 | $525 |
| Allstate | $57 | $687 |
| Progressive | $60 | $719 |
| Travelers | $60 | $720 |
| Nationwide | $65 | $779 |
| Farmers | $68 | $815 |
*State Farm and GEICO offer non-military-affiliated Chevy Cruze owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Chevrolet Cruze Insurance Rates by Model Year
The above list may not reflect rates based on your Chevrolet Cruze's production year, so older models might have lower costs. To find the cheapest minimum coverage rates for each production year, filter the table below.
Data filtered by:Results filtered by:
Select
Model Year:2011
| Allstate | $682 | $57 |
| Farmers | $829 | $69 |
| GEICO | $539 | $45 |
| Nationwide | $737 | $61 |
| Progressive | $710 | $59 |
| State Farm | $499 | $42 |
| Travelers | $726 | $61 |
| USAA | $423 | $35 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Chevrolet Cruze Insurance
State Farm offers the cheapest full coverage for Chevrolet Cruze at $1,112 annually or $93 monthly. Below is the complete list of Cruze full coverage car insurance providers and rates.
| USAA | $81 | $970 |
| State Farm | $93 | $1,112 |
| GEICO | $94 | $1,134 |
| Allstate | $110 | $1,324 |
| Nationwide | $125 | $1,496 |
| Progressive | $126 | $1,512 |
| Travelers | $127 | $1,525 |
| Farmers | $143 | $1,713 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Chevy Cruze owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Chevrolet Cruze Insurance by Age
Young drivers aged 16 to 25 and seniors 55+ often pay higher insurance rates. Below is a breakdown of the cheapest Chevrolet Cruze insurance options by age.
Cheapest Chevrolet Cruze Insurance for Young Drivers
State Farm offers the cheapest car insurance for young drivers, with rates as low as $96 monthly or $1,147 annually for minimum coverage. Below is the complete list of affordable Chevrolet Cruze rates for drivers aged 16 to 25.
| USAA | $73 | $879 |
| State Farm | $96 | $1,147 |
| GEICO | $106 | $1,270 |
| Travelers | $127 | $1,525 |
| Allstate | $134 | $1,612 |
| Progressive | $168 | $2,016 |
| Nationwide | $174 | $2,089 |
| Farmers | $184 | $2,205 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Chevrolet Cruze Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up at $48 monthly or $577 annually. See the full list of affordable Chevrolet Cruze insurers below.
| USAA | $47 | $564 |
| State Farm | $48 | $577 |
| GEICO | $53 | $632 |
| Allstate | $70 | $844 |
| Travelers | $72 | $865 |
| Nationwide | $76 | $916 |
| Progressive | $77 | $919 |
| Farmers | $91 | $1,087 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Chevrolet Cruze Insurance After an Accident
For a Chevrolet Cruze, State Farm, GEICO and Allstate are the most affordable car insurance providers after an accident. See the complete list below.
| USAA | $54 | $648 |
| State Farm | $55 | $657 |
| GEICO | $69 | $830 |
| Allstate | $78 | $942 |
| Travelers | $88 | $1,056 |
| Progressive | $99 | $1,185 |
| Nationwide | $102 | $1,223 |
| Farmers | $132 | $1,589 |
Chevrolet Cruze Insurance Cost: Bottom Line
Regularly comparing rates helps you find the cheapest car insurance. This article covers Chevrolet Cruze insurance costs across demographics and top providers.
Chevrolet Cruze Insurance Rates: FAQ
Below are answers to common questions about Chevrolet Cruze insurance costs.
What company has the cheapest car insurance for a Chevrolet Cruze?
State Farm and GEICO offer the cheapest car insurance for a Chevrolet Cruze, with an annual minimum coverage rate of $525.
What is the average cost of car insurance for a Chevrolet Cruze?
The average cost of minimum coverage auto insurance for a Chevrolet Cruze is $656 annually. Full coverage averages $1,381.
Chevrolet Cruze Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 2,689 Chevrolet Cruze quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Chevrolet Cruze:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Chevrolet Cruze insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Chevrolet Cruze.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.