Chevy Cruze Insurance

How to Get an Affordable Deal on Chevy Cruze Insurance

And how you can easily get started today

Chevy Cruze Insurance

The Chevrolet Cruze is known as a top pick for compact car drivers who are looking for a reliable vehicle that gets quality gas mileage. Even though Chevrolet discontinued the Cruze model in 2019, it remains a popular option. If you own a car, you need car insurance.  

Whether you wish to find a more affordable policy or are buying coverage for the first time, a local independent insurance agent can help you find the policy that is best for you. Because they are independent agents, they can work with several different insurance providers to obtain rates for policies that have been customized just for you. That way, you can purchase the plan that provides the best value for your money. 

Find an agent near you to learn more about your various Chevy Cruze insurance options.

What Type of Insurance Do You Need for Your Chevy Cruze? 

You have a variety of options when it comes to insuring your Chevy Cruze. Some types of insurance coverage are optional, while others will require a minimum amount purchased depending on the state you live in. 

The following coverages are usually mandated:

  • Bodily injury liability: If someone sustains injuries as a result of an accident where you're at fault, you're liable for their medicals bills and any lost wages claims. Bodily injury liability will pay for these claims. 
  • Property damage liability: Sometimes an accident you cause does damage to more than just someone's vehicle. If you were to run into a fence, structure, or other property including a vehicle, property damage liability covers the damage. It will pay to replace or repair other vehicles and structures, but it will not repair or replace your vehicle. 
  • Medical payments/Personal injury protection: If you're injured in an accident, your medical payments or personal injury protection (PIP) coverage will pay some of the medical bills that are associated with the accident. PIP insurance is available in "no-fault" states and required in other states. You'll be able to purchase medical payments insurance everywhere else. 
  • Uninsured and underinsured motorist coverage: Uninsured and underinsured motorist coverage pays for damage to your vehicle if the other party does not have enough insurance coverage. Even in states where coverage is mandatory, many still drive without insurance or without sufficient insurance to pay for damage if they're in an at-fault accident. 

Optional coverages: 

  • Collision: Collision insurance is designed to step in when you collide with a vehicle or property and you're at fault. Collision pays to repair any damage to your vehicle. 
  • Comprehensive: Your Chevy Cruze is at risk of damage even when you're not driving it. Objects can fall from roofs, the sky, and trees. Mother nature can sweep through bringing windstorms or fire. For incidents that are out of your control and that aren't covered under collision, comprehensive coverage steps in. 
  • Glass coverage: Windshield replacements can be costly and happen frequently. Glass coverage only costs several dollars a month and will fully pay for any glass repair for your Chevy Cruze. 
  • Gap insurance: If you are financing or leasing your Chevy Cruze, then you will want to consider purchasing gap coverage. This insurance is an endorsement that you add to your policy that pays the difference between your car's value and the amount owed to the financing company. If you're in an accident and your vehicle is a total loss, gap insurance will pay the remaining amount owed on your loan. 

What Factors Affect the Cost of Insurance for Your Chevy Cruze?

Annual mileage

If you drive more than the average person, which is 12,000 miles a year, your car insurance premium could cost more. The more you're on the road, the more chances you have of getting in an accident, making you a higher risk for insurance. 

Driving record 

Having a clean record means you'll get to enjoy lower car insurance premiums. An independent insurance agent can advise you on when any former accidents or traffic violations will fall off and stop affecting your rates.

The value of your car 

The more your Chevy Cruze retails for, the more expensive your insurance premium will be. Fortunately, the Chevy Cruz is a very affordable compact car. Even the most recent model will run you between $12,000 and $16,000. If you're willing to purchase an older model, your insurance premiums will reflect the difference in price. 

Average Chevy Cruze prices
2019 $12,525 - $16,700
2018 $11,800 - $15,350
2017 $11,275 - $14,575
2016 $11,275 - $14,575
2015 $11,275 - $14,575

The safety of your Chevy Cruze

The Chevy Cruze is in a class of vehicles referred to as "compact cars." They are smaller and lighter than most cars on the road. Unfortunately, one of the great ironies is that smaller, more inexpensive cars frequently cost more to insure than their larger counterparts. One bit of good news is that the Cruze has excellent safety ratings for a car in its class, and this helps to keep costs more manageable.

Fortunately, the Cruze is an exceptionally safe car. The Insurance Institute for Highway Safety gave the 2019 Chevy Cruze it's highest ranking for front moderate overlap and side crash tests. Additionally, the National Highway Traffic Safety Administration gave the 2019 Chevy Cruze it's highest, five-star rating In the following tests:

  • Overall crash
  • Overall frontal crash
  • Overall frontal crash driver
  • Overall frontal crash passenger
  • Side-crash driver
  • Side pole crash

Where you live with your Chevy Cruze

If you live in a populated city, you're more prone to incidents that will lead to a claim. This includes driving busier roads, encountering traffic, theft, and vandalism. Drivers in small towns are much less likely to experience the same risks.

Average annual cost to insure a Chevy Cruze by location 
Large cities $1,933
Small cities $1,504
Rural cities $1,054

Average cost to insure a Chevy Cruze

The average annual cost to insure a Chevy Cruze is $1,432, making it a relatively affordable car to insure. Those costs could go up or down. depending on whether you're a high-risk driver or are willing to take a higher deductible. 

What Is the Average Cost to Insure a Chevy Cruze?

Average annual cost to insure a Chevy Cruze  $1,432
Teens $5,296
High-Risk Drivers $3,106
High Deductibles $1,228
Low Deductibles $1,832

Which states are most and least affordable for car insurance? 

Estimated annual Chevy Cruze insurance premiums in the United States:

Most expensive states:
Michigan $2,488
Louisiana $2,122
Kentucky $1,954
Florida $1,792
Nevada $1,718
Most affordable states:
Maine $884
Idaho $968
Iowa $968
Hawaii $1,030
New Hampshire $1,032

Top Insurance Carriers That Insure the Chevy Cruze

According to a recent US Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers: 

  1. Wawanesa
  2. Auto-Owners Insurance
  3. State Farm
  4. Ameriprise
  5. Geico
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Where to Find the Best Car Insurance for Your Chevy Cruze

When you are shopping for insurance for your Chevy Cruze, you will want to be sure that you are getting the right policy at the right price. TrustedChoice.com agents can help. 

These independent agents can work with you to learn your coverage requirements and can then obtain customized quotes from a variety of competing insurance companies. That way, you can easily choose the policy that is offered at the best price. Find a TrustedChoice.com agent near you to get started.

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