Toyota Corolla vs Chevrolet Cruze Insurance Cost

The Chevrolet Cruze is cheaper to insure by about $395 a year for full coverage by our estimate ($1,705 vs. $1,310), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Toyota Corolla	Chevrolet Cruze	Difference
State minimum	$710	$615	+$95
Standard (100/300/100)	$1,025	$890	+$135
Full coverage	$1,705	$1,310	+$395

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Corolla minus Cruze.

Why one costs more to insure

Factor	Toyota Corolla	Chevrolet Cruze
Segment	Compact car	Compact car
Powertrains	Gasoline, Hybrid	Gasoline, Diesel
HLDI collision (100 = avg)	102	—
HLDI comprehensive	89	—
HLDI property damage liability	114	—
HLDI bodily injury liability	137	—
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	3	4

Corolla vs Cruze insurance by state

State	Corolla	Cruze	Difference
Alabama	$1,475	$1,110	+$365
Alaska	$1,490	$1,135	+$355
Arizona	$1,790	$1,380	+$410
Arkansas	$1,480	$1,100	+$380
California	$1,665	$1,255	+$410
Colorado	$1,920	$1,460	+$460
Connecticut	$1,830	$1,425	+$405
Delaware	$1,930	$1,525	+$405
District of Columbia	$2,145	$1,630	+$515
Florida	$2,480	$1,980	+$500
Georgia	$2,135	$1,680	+$455
Hawaii	$1,170	$880	+$290
Idaho	$1,155	$880	+$275
Illinois	$1,470	$1,115	+$355
Indiana	$1,205	$910	+$295
Iowa	$1,130	$835	+$295
Kansas	$1,335	$995	+$340
Kentucky	$1,435	$1,105	+$330
Louisiana	$2,365	$1,825	+$540
Maine	$1,080	$810	+$270
Maryland	$1,925	$1,485	+$440
Massachusetts	$1,675	$1,280	+$395
Michigan	$1,855	$1,410	+$445
Minnesota	$1,405	$1,060	+$345
Mississippi	$1,615	$1,220	+$395
Missouri	$1,535	$1,160	+$375
Montana	$1,335	$990	+$345
Nebraska	$1,340	$1,000	+$340
Nevada	$2,000	$1,590	+$410
New Hampshire	$1,210	$910	+$300
New Jersey	$2,085	$1,645	+$440
New Mexico	$1,520	$1,155	+$365
New York	$2,315	$1,815	+$500
North Carolina	$1,255	$930	+$325
North Dakota	$1,060	$775	+$285
Ohio	$1,210	$915	+$295
Oklahoma	$1,515	$1,135	+$380
Oregon	$1,550	$1,215	+$335
Pennsylvania	$1,475	$1,105	+$370
Rhode Island	$2,080	$1,625	+$455
South Carolina	$1,840	$1,440	+$400
South Dakota	$1,260	$915	+$345
Tennessee	$1,405	$1,055	+$350
Texas	$2,000	$1,515	+$485
Utah	$1,565	$1,225	+$340
Vermont	$1,090	$805	+$285
Virginia	$1,465	$1,120	+$345
Washington	$1,500	$1,170	+$330
West Virginia	$1,405	$1,050	+$355
Wisconsin	$1,155	$870	+$285
Wyoming	$1,285	$935	+$350

By driver profile (full coverage)

Driver	Corolla	Cruze
Teen driver (18, own policy)	$4,695	$3,600
Young adult (22)	$2,730	$2,095
Adult in their 30s	$1,705	$1,310
Adult in their 50s	$1,570	$1,205
Senior (72)	$1,910	$1,465
30s, one at-fault accident	$2,475	$1,895
30s, DUI on record	$3,155	$2,420

More comparisons

Frequently asked questions

Is the Toyota Corolla or the Chevrolet Cruze cheaper to insure?

By our estimate the Chevrolet Cruze is cheaper, by about $395 a year for full coverage ($1,705 vs. $1,310) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Corolla and Chevrolet Cruze?

Mostly because of insurance-loss history: HLDI collision indices of 102 vs. n/a and comprehensive indices of 89 vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page