Cost of insurance for Chevrolet Cruze

UPDATED: May 25, 2017

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UPDATED: May 25, 2017Fact Checked

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Asked May 25, 2017

1 Answer

The cost of insurance for a Chevrolet Cruze will depend on a few factors. Insurance rates tend to vary from company to company so you may want to shop around a bit to find which insurer you want to go with. It will also be important to consider what year the vehicle you are looking to insure will be. Older models do not always cost more to insure. Safety rating and vehicle history are yet another important factor to take into account, and sometimes older vehicle years have varied safety ratings, thus affecting insurance prices. Additionally, the part of the country you live in and your previous driving history will usually have a significant impact the insurance rate you will receive. Even details like trim-style and whether or not the vehicle is a manual or automatic can be important aspects to consider.

The Chevrolet Cruze is a fairly well rated vehicle as far as crash test safety goes. It received a "good" IIHS safety rating in the years 2016 and 2017. Previous models received mixed reviews from IIHS, ranging from "marginal" to "good". This gave the Chevrolet Cruze an "average" overall safety rating for models made in the years 2011-2015. The Cruze also received a four-star NHTSA safety rating in 2017. This vehicle is considered to be generally safe and dependable as far as 4-door sedans go.

Insurance rates on the Chevrolet Cruze tend to vary depending on what year the vehicle is. There are then additional factors to consider, such as what trim-style the car is equipped with. To find out what your exact monthly or yearly insurance rate will be, it is always best to get an actual quote from your insurance agency by providing them with the VIN number on a specific vehicle. That being said, below you will find insurance pricing for a few models and trim-styles to help give you a good general idea of what your insurance rates are likely to be.

If you are purchasing a new 2017 Chevrolet Cruze LS 6-speed Automatic 4-door Sedan, you will likely be paying a total of $1,083 to insure it over the course of the first year. That comes down to a monthly rate of $90.25. Keep in mind that buying new is going to impact the price of insurance, so if you are buying used, rates may differ. As the vehicle ages, your insurance rates may also change.

Listed are few other examples of Chevrolet Cruze insurance rates:

2016 Chevrolet Cruze LS 6-Speed Manual: $1,044 1st Year / $87 Monthly
2014 Chevrolet Cruze LTZ Automatic: $1,141 1st Year / $95 Monthly
2012 Chevrolet Cruze LS Automatic: $938 1st Year / $78 Monthly
2011 Chevrolet Cruze LS Manual: $867 1st Year / $72 Monthly

The above examples are from this True Cost to Own calculator. Which brings us to our next point. Remember to account for what the true cost to own will be on any vehicle that you are considering. This means factoring in things like how the MPG rate will affect fuel costs, what the monthly financing and fees will likely be, and any possible tax deductions or repair costs. The 2017 Chevrolet Cruze has a True Cost to Own of $8,857 in the first year. This is a pretty fair cost, especially when compared with other similar vehicles in its class.

Answered July 13, 2017 by AutoGuy

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