Are Chevy Cruzes expensive to insure?

For many drivers, insuring a Chevrolet Cruze sits in the mid-range among compact cars. Premiums aren’t typically the cheapest in class, but they aren’t among the most expensive either; the exact cost depends on age, location, coverage level, and the model year of the Cruze.

Insurance costs for the Chevy Cruze: what to know

Understanding the factors that drive Cruze insurance prices helps explain why quotes vary so much from person to person.

Key factors that influence the cost

Before you review the factors, here’s a quick list of what insurers weigh when rating a Cruze:

• Driver age and driving history (younger drivers and those with tickets or accidents generally pay more)


• Location and state rules (where you live affects rates and required coverage)


• Coverage level and deductibles (full coverage and lower deductibles cost more)


• Credit history (where legal, credit-based pricing can influence premiums)


• Vehicle value, safety features and repair costs (newer or higher-value Cruzes can cost more to insure; strong safety features can help reduce rates)


• Annual mileage and vehicle use (higher mileage can raise risk and premiums)


• Model year and trim (newer models or those with pricier replacement parts may raise costs, though safety tech can offset this)


• Theft risk and possible discounts for anti-theft devices

In short, premiums reflect a mix of risk, cost to repair or replace the vehicle, and the likelihood of a claim. Variations by state and insurer mean your quote can differ significantly from a neighbor’s.

Model-year, trim, and safety features: how they affect a Cruze's premium

Note: Chevrolet ended Cruze production after 2019, so many insured Cruzes on the road are used models from prior years. This matters because older copies can have cheaper replacement costs, while newer used models may carry higher upfront values that influence pricing.

• Newer model years generally cost more to insure due to higher replacement values, even when safety features are strong.


• Higher trim levels with more equipment can raise potential repair costs, influencing premiums.


• Strong safety ratings and standard features (such as multiple airbags, stability control) can help reduce premiums.


• Anti-theft and security features (engine immobilizers, alarms) can qualify for discounts in many plans.

When shopping, compare quotes across model years and trims to see how the price delta lines up with the value and features you actually get.

Typical ranges and who they apply to

Here are illustrative ranges to help set expectations. Real quotes depend on your personal profile and where you live.

• Average adult driver (age 25–49) with a clean record in a typical state: roughly $1,200–$1,800 per year for full coverage.


• Younger driver (under 25) or newer license holder: commonly $2,000–$3,500 per year, with higher possibilities depending on state rules and driving history.


• Senior or low-mileage driver (age 60+): around $1,100–$1,700 per year, varying by location and health factors.


• High-risk or high-mileage scenarios (poor driving history, high-crime area): premiums can exceed $3,000 annually and vary widely by insurer.

These figures are approximate and intended for ballpark planning. Your exact rate will depend on ZIP code, credit (where permissible), coverage selections, and other factors.

Ways to save on Chevy Cruze insurance

Simple strategies can lower costs without sacrificing essential protection.

• Shop around and compare quotes from multiple insurers to find the best rate for your profile.


• Consider a higher deductible if you can responsibly absorb a larger out-of-pocket claim amount.


• Bundle auto with other policies (home, renters, life) to qualify for multi-policy discounts.


• Maintain good credit where legal, as it can influence pricing in many states.


• Keep safety features and anti-theft devices installed to qualify for discounts.


• Enroll in usage-based or telematics programs to pay for actual miles driven or safe driving behavior.


• Ask about student, military, or senior discounts where applicable.

With careful shopping and the right discounts, Cruze owners can secure protection that fits both risk and budget.

Bottom line

In summary, the Chevrolet Cruze generally falls in the middle of the insurance cost spectrum for compact cars. It isn’t typically the cheapest option, but it isn’t among the most expensive, either. The final price hinges on age, location, coverage choices, and the model year or used-condition of the vehicle. By understanding the factors and actively shopping for quotes, drivers can find a rate that matches their finances.

Summary

The Cruze’s insurance costs are driven by common factors that affect most cars: driver profile, location, coverage level, and the vehicle’s value and safety features. Because the Cruze is discontinued after 2019, many current quotes reflect older used-model values, which can influence replacement costs and discounts. Prospective buyers or existing owners should compare multiple quotes, leverage available discounts, and consider deductible and usage-based options to manage annual costs effectively.

Why is Chevy Cruze insurance so expensive?

FAQ: Chevy Cruze Insurance
Its high claim frequency and driver demographics can drive up the cost compared to other sedans. Does the year of my Cruze affect insurance cost? Absolutely. Newer models may cost more to insure due to higher repair costs, while older models may lack modern safety features.

What year to stay away from Chevy Cruze?

The Chevy Cruze years to avoid are primarily 2011-2015, with particular issues noted for the 2013 and 2016 model years, due to common problems like transmission failure, coolant leaks, and engine issues. The 2016 model is also mentioned for engine problems, while the 2018 year is frequently cited for engine and electrical problems.
 
This video discusses the most common problems with the Chevy Cruze: 58sSteeveGMTECHYouTube · Jul 22, 2025
Years with most reported problems 

• 2011–2015: This first generation is widely cited as having the most issues, including transmission failure, coolant leaks, and engine problems like cracked pistons and faulty water pumps. 
• 2016: This year is specifically called out for engine issues, potentially related to the 1.4T engine. 
• 2018: Many owners have reported engine and electrical problems with this model year, along with a specific recall for transmission fluid leaks. 

Specific issues to look out for

• Engine: Common problems include cracked pistons, faulty water pumps, and coolant leaks, particularly on 1.4T engines. 
• Transmission: Harsh shifting and complete transmission failure are frequent complaints across several model years. 
• Cooling System: Leaks from plastic cooling components, especially around the 100,000-mile mark, can lead to overheating and engine damage. 
• Electrical: Electrical system failures, including issues with the ignition, lighting, and control modules, were common in several years. 

You can watch this video to learn about common Chevy Cruze problems and fixes: 59sAJS WoodworksYouTube · May 22, 2024
How to mitigate risks

• Check the vehicle history: Always get a vehicle history report and verify that all recall work has been completed. 
• Perform a pre-purchase inspection: Have a qualified mechanic inspect the vehicle before buying to identify any existing or potential problems. 
• Be aware of mileage: Many of the common failures, such as water pump failure, occur at higher mileage (around 100,000 miles). 

What is the #1 cheapest car insurance?

GEICO is the cheapest large auto insurance company in the nation for liability coverage, with an average rate of $41 a month and $489 a year, according to NerdWallet's November 2025 analysis.

How much is insurance on a Chevy Cruze?

Chevrolet Cruze insurance costs average $93 monthly for minimum coverage and $180 per month for full coverage. Depending on your particular trim and model year, costs can range from $61 to $282 monthly for Chevrolet Cruze coverage. Ensure you are getting the best rate for your insurance.