Chevrolet Cruze Auto Insurance Rates

Finding affordable Chevrolet Cruze auto insurance is key to protecting yourself and your wallet. Nationwide offers cheap Chevrolet Cruze auto insurance rates with an average of $155/mo, but your rates will vary based on your location. The lowest Chevrolet Cruze auto insurance costs are in North Dakote at only $51/mo. Read our Chevrolet Cruze auto insurance review and use our FREE comparison tool to find numerous Chevrolet Cruze auto insurance quotes.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Looking for a better price on your Chevrolet Cruze auto insurance rates? Well, you’re in the right place. We know exactly what you need in order to start saving money on your auto insurance premiums today.

But first, we’re going to have to explain a few things to you. After all, insurance is a very complicated industry, and carrying insurance on the vehicle you drive is no exception.

But you need to make sure that you are a well-informed consumer if you want to get the lowest possible price.

Use our FREE quote tool to compare insurance rates now!

A Brief History of the Chevrolet Cruze

The Chevy Cruze has been in production since 2008, with its debut models going on sale in 2009. It is a compact sedan that is currently in its second generation of production.

The J300 iteration, which is what the first generation was based on, was intended to produce the Chevy Cobalt.

The second generation, despite initial announcements from GM, didn’t go on sale until 2015. It Weighed less, contained brand new GM Small Gasoline Engine technology, and a new body design which produces only a 0.28 drag coefficient.

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Chevrolet Cruze in the News

For reasons that are hard to explain, sales of regular cars (hatchbacks, sedans, and coupes, among others) are declining in favor of large, inefficient, difficult-to-maneuver (and questionably safe) SUVs and crossovers.

Because of this, a General Motors manufacturing plant in Ohio recently got hit hard by a scaling back of production.

This move will likely result in nearly 1,500 workers either seeing a reduction in their income, or losing their job altogether.

Comparing Chevrolet Cruze Auto Insurance

Why do you think your insurance company asks you for your zip code before they ask you for any other information about you or your vehicle?

It’s because your location is one of the most important things your insurance company needs to know before they underwrite your policy.

Living in a big city, living in an area with a high crime rate, or even living in a town that has a higher incidence of drunk driving accidents than other areas nearby can make a huge difference in how risky it is to insure you.

Just look at the chart below which compares rates from state-to-state. Believe it or not, rates can fluctuate just as much from city to city, too.

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Chevrolet Cruze Car Insurance by State


Legend:
Chevy Cruze

Illinois
Wisconsin
Nebraska
North Dakota
Minnesota


10
20
30
40
50
60
70
80
90
100
110
120
130
140
150
160



$108

$161

$72

$51

$149


Why do you think there are so many different insurance companies out there? After all, aren’t most car insurance policies pretty much the same?

Almost everyone has the same types of coverage – liability, comprehensive/collision, uninsured motorist coverage, etc. – So why are there so many?

For the most part, it’s because there is a profit to be made depending on how well an insurance company’s business model works. It also has to do with the fact that insurance companies aren’t as strictly regulated as many other industries in the country are.

This gives them the freedom to make their own rules, come up with different discounts they can use to attract business, offer slightly different forms of optional coverage in order to entice new customers, and evaluate risk patterns differently in order to increase their net income.



Chevrolet Cruze Auto Insurance by Company


Legend:
Chevy Cruze

The General
American Family
Encompass
Allstate
Nationwide


15
30
45
60
75
90
105
120
135
150
165
180
195



$166

$165

$195

$185

$155


How often have you had the opportunity to file a claim against your car insurance provider, but decided to pay out of pocket instead? It may have been inconvenient to swallow that expense, but it could potentially pay off in the long run in the form of lower premiums.

The more claims you end up filing with your insurance company, the more likely they are to raise your premiums – and the more expensive those price hikes will become.

But if you take on more of the financial risk by yourself, that investment can pay dividends in the future.



Zero Claims Discount vs. Multiple Claims History


Legend:
Clean Record
Multiple Claims

The General
American Family
Encompass
Allstate
Nationwide


20
40
60
80
100
120
140
160
180
200
220
240
260
280




$166
$192


$165
$195


$195
$270


$185
$280


$155
$230


Moving to a new zip code, waiting until your claims history clears up, or even following steps to improve your credit score will take time before you see an improvement in your auto insurance premiums.

If you don’t know how much car insurance companies are offering for a driver like you, then you can’t possibly know that you’re getting the best price for your coverage.

But we can connect you with three to five instant quotes in just a few minutes or less – and all we need is your zip code.

Other Popular Models From Chevrolet

See also: General Motors (GM) | Chevrolet Car Insurance

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