Toyota Prius vs Chevrolet Cruze Insurance Cost
The Chevrolet Cruze is cheaper to insure by about $285 a year for full coverage by our estimate ($1,595 vs. $1,310), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Toyota Prius | Chevrolet Cruze | Difference |
|---|---|---|---|
| State minimum | $565 | $615 | −$50 |
| Standard (100/300/100) | $820 | $890 | −$70 |
| Full coverage | $1,595 | $1,310 | +$285 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Prius minus Cruze.
Why one costs more to insure
| Factor | Toyota Prius | Chevrolet Cruze |
|---|---|---|
| Segment | Compact car | Compact car |
| Powertrains | Hybrid, Plug-in hybrid | Gasoline, Diesel |
| HLDI collision (100 = avg) | 118 | — |
| HLDI comprehensive | 104 | — |
| HLDI property damage liability | 85 | — |
| HLDI bodily injury liability | 89 | — |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 2 | 4 |
Prius vs Cruze insurance by state
By driver profile (full coverage)
| Driver | Prius | Cruze |
|---|---|---|
| Teen driver (18, own policy) | $4,385 | $3,600 |
| Young adult (22) | $2,550 | $2,095 |
| Adult in their 30s | $1,595 | $1,310 |
| Adult in their 50s | $1,465 | $1,205 |
| Senior (72) | $1,785 | $1,465 |
| 30s, one at-fault accident | $2,310 | $1,895 |
| 30s, DUI on record | $2,950 | $2,420 |
More comparisons
Frequently asked questions
Is the Toyota Prius or the Chevrolet Cruze cheaper to insure?
By our estimate the Chevrolet Cruze is cheaper, by about $285 a year for full coverage ($1,595 vs. $1,310) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Toyota Prius and Chevrolet Cruze?
Mostly because of insurance-loss history: HLDI collision indices of 118 vs. n/a and comprehensive indices of 104 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.