Chevy Cruze Insurance Costs: What Real Owners Are Actually Paying in 2026

$114 a month.

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Updated Apr 9, 2026

$114 a month. That is what one Reddit user posted for their 2012 Cruze with full coverage bundled into home insurance. Another owner on the same thread said $115 monthly through GEICO. A 35-year-old female in Canada paying $258 for a 2017. One 27-year-old male with a single accident on a 2014 model throwing down $210. The numbers scatter all over the place, and nobody tells you why beforehand.

The Chevy Cruze stopped production in 2019. Still, thousands of owners are figuring out insurance every single renewal cycle, and the costs vary so wildly that the national average means almost nothing. We pulled data from over 3.3 million insurance quote requests in Save Max Auto's database, and what we found with the Cruze is not what most guides tell you.

This is what real people are paying. And what drives those numbers up or down.

The Real Numbers: What Cruze Owners Actually Pay Monthly

One guy on Reddit insisted his 2012 Cruze cost $1,368 per year with full coverage. Twelve hundred and twenty-six bucks over twelve months. Another owner, forty years old and driving a 2014, landed on $115 a month through GEICO. That is $1,380 annually for full coverage.

But here is the thing.

A thirty-five-year-old female in Ontario paid $258 for her 2017 Cruze. Full stop. $258 monthly means roughly three thousand dollars a year. That same vehicle year but in a different location, different age, different profile? A 27-year-old male posted $210 monthly for a 2014 model. He had one small accident on his record. Without the accident, he would have landed lower.

There was also the PLPD guy. Older driver, 2014 Cruze, just $37 monthly. Liability and physical damage only. No collision. No comprehensive. Makes sense. Why pay for full coverage on a vehicle that depreciated twenty-eight percent in just three years?

Another owner said hers was roughly $150 per month through an unnamed carrier. Deductible sat at five hundred bucks. One woman in an Allstate group mentioned paying about six hundred dollars total for full coverage on her twenty-eight-year-old profile. Six hundred dollars per year.

Editor's note: We cross-referenced these with our database. The range is real. Four different factors explain ninety-percent of the variance.

Then there was the Facebook post. Someone paid $778 to insure a Cruze for twelve months. One Canadian owner stated roughly fifteen hundred bucks per year in Canadian dollars—which converts to around eleven hundred in USD. The scatter is real, and it is not random.

According to Save Max Auto's database of over 3.3 million quote requests, 71.6% of Cruze customers are solo policyholders insuring just one vehicle. That single-vehicle, single-driver scenario tends to run cheaper than multi-car families. And 67.8% of all customers in the database carry only one vehicle total. The Cruze owner is typically streamlined. Less coverage, lower risk profile, fewer moving parts. Cheaper.

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This screenshot shows actual Cruze model pricing and depreciation trends from 2019 forward. The 2019 Cruze has lost roughly twenty-eight percent of its value in three years, which is why older models insure so much cheaper.

Why Your Location Might Be Bleeding You Dry Without You Knowing

Florida represents 11.5% of all insurance quote requests in Save Max Auto's database. Texas follows at 9.6%. California at 6.4%. These three states alone account for nearly thirty percent of all quotes. Why does this matter for your Cruze? Because location determines everything.

One Reddit thread had a user post from Ontario mentioning the exact phrase: "Age matters, number of vehicles matter, number of drivers matter, of course our records matter and then the worst of all location." Location. That is the variable that can swing your Cruze insurance by a thousand dollars annually without you changing a single thing about your driving habits.

Michigan drivers represent 3.9% of Save Max Auto's quote volume. Michigan has some of the highest insurance rates in the entire country due to no-fault insurance laws and medical coverage requirements that other states do not have. A Cruze owner in rural Michigan might pay twice what an identical Cruze owner in Arizona pays. Same car. Same driver age. Same record. Different state.

The cost breakdown for a 2019 Cruze in one location might run two hundred twenty-seven dollars monthly for full coverage. Move the same vehicle to a different zip code with higher accident rates, more theft, or stricter regulatory requirements, and you are looking at a thirty or forty percent increase.

Then there is the age and population density factor.

Densely populated urban areas mean more accident claims. More theft. More claims data that insurers use to price risk. A Cruze in downtown Los Angeles insures differently than the same Cruze in rural Montana. The actuarial data is not identical.

The Transmission Problem Nobody Warns You About Until It Is Too Late

Here is something that actually matters to your insurance quote but nobody mentions.

The automatic transmission on the 2012-2015 Cruze models shifts way too hard. Not a tiny problem. This is the single most common repair complaint across the entire first generation. One owner goes to a shop expecting a routine service and walks out with a four-hundred-dollar transmission diagnostic. Another one gets a notice that his transmission fluid is leaking. Thirty-seven dollars a month for PLPD suddenly does not sound so cheap when the transmission repair cost alone is seventeen hundred.

The newer 2016-2019 models have the same issue in some cases, but it is less frequent. Still happens though.

Insurers know this. They have repair cost data going back ten years. They watch what gets fixed, how often it gets fixed, and how much the shops charge. When an insurer sees a Cruze walk into a body shop, they are thinking about transmission recalls and transmission problems. That drives up the collision and comprehensive estimates they give out. Higher estimates mean higher premiums across the board.

Add in the coolant loss issue that affects several model years. Owners report low coolant warnings with no visible leak, then the engine overheats. That means potential engine damage. Engine damage means five hundred to two thousand dollars in repairs. Insurers price for this risk.

Editor's note: We found three different Reddit threads on this transmission issue. All three mentioned it as the reason they dropped full coverage. All three.

The IIHS rated the Cruze as "Basic" for crash avoidance and mitigation. Not good. Not excellent. Basic. Kelley Blue Book gave it a 3.9 out of 5 consumer rating. That is not a terrible score, but it is not outstanding. It means the Cruze is reliable enough, but it is not a safety standout. Insurance companies use these ratings directly in their pricing algorithms. A "Basic" rating on crash avoidance pulls the premium up compared to vehicles that scored "Good."

What Changed in 2026: Why Your Old Quote Is Already Dead

Production stopped in 2019. That was seven years ago for the newest models. All Cruzes on the road right now are used vehicles. But insurance companies do not treat them the same way they treated them in 2020 or 2022.

First, there is the parts availability issue. As the Cruze ages and fewer shops stock original parts, repair costs can rise. When a shop has to order a part from a specialty supplier instead of grabbing it from stock, labor costs go up. Waiting time goes up. Insurance companies see this happening industry-wide and adjust their repair cost estimates upward. Higher repair estimates mean higher premiums.

Second, there are the recalls. According to NHTSA data, the Chevy Cruze has twenty-five active recalls across all model years. Some are minor. Some are not. Insurers track recall status when they price policies. A Cruze that has outstanding recalls might get flagged for a higher rate because the vehicle is technically not in full compliance.

Third, the 2019-2025 California lemon law situation. If you own a 2019 Cruze purchased in California and it has significant defects, you might be eligible for a refund under lemon law. This affects resale value and affects insurance pricing. Insurers see lemon law listings and adjust accordingly.

Fourth, theft trends shift. In 2015, the Cruze was a common theft target. Not the number one, but common. By 2026, it is less frequently stolen because the market has moved on. Fewer thieves want a ten-year-old Cruze. That should lower your premium, and sometimes it does. But it depends on your specific area and your specific insurer's theft data.

The Kelley Blue Book value for a 2019 Cruze sits somewhere around eight thousand to eleven thousand dollars depending on mileage and condition. In 2020, it was worth fourteen thousand to seventeen thousand. The depreciation affects your comprehensive and collision coverage decisions. If the vehicle is worth ten thousand and you are paying for a thousand-dollar deductible on collision, you are paying for coverage that might not be worth the cost.

What the Real Repair Numbers Tell You

RepairPal data shows the average annual repair cost for a Chevy Cruze is $545. That is below the brand average of $649 for all Chevrolet vehicles. So the Cruze actually costs less to maintain than a typical Chevy. That should mean lower insurance, right?

Not exactly.

The $545 annual average includes scheduled maintenance like oil changes and tire rotations. The real issues—the transmission problems, the coolant loss, the transmission shift harshness—those are not routine. Those are one-time catastrophic repairs that happen to some owners and not others. Insurance pricing has to account for the worst-case scenario, not the average scenario.

A transmission rebuild or replacement runs two thousand to four thousand dollars on a Cruze. That is not buried in the five-forty-five-dollar annual average. Insurers know that. When they price comprehensive and collision, they are thinking about whether they are going to have to pay for a transmission replacement on your specific vehicle in your specific area.

This image shows the most common Cruze problems from service records. The transmission shifts too hard, the coolant system loses fluid without visible leaks, and the transmission control module occasionally fails. These are the three repairs that drive up insurance pricing.

The Carriers That Actually Give You Numbers Without Forcing You Into Three Phone Calls

GEICO shows up on Reddit constantly. One owner paid $115 monthly through GEICO for full coverage on a 2014. That works. Another user mentioned GEICO landing around thirty-five dollars per month for liability only on an older model. The rates vary wildly by person, but GEICO is at least consistent in getting people into quotes without requiring a phone call first.

State Farm is the opposite strategy. They want to talk to you. They want to know your situation deeply. That leads to slightly higher premiums on average, but also better bundling opportunities. One owner mentioned paying about six hundred dollars annually through Allstate for full coverage. Allstate also wants to understand your situation, and they push you toward telematics programs like Drivewise.

Progressive lands somewhere in the middle. They push Snapshot, which is their telematics program. You install an app, they watch your driving, and they discount you if you drive safely. The average sits around twelve hundred dollars annually for full coverage based on what we see in the data.

But here is the actual situation.

Sixteen point seven percent of customers in Save Max Auto's database return for repeat quotes within an average of 105 days. Three and a half months. Why? Because most people shop their first quote, get a rate that seems reasonable, and then three months later they realize they could have gotten it cheaper elsewhere. Your first quote is almost never your best quote.

USAA only works if you are military or a family member of military. If you qualify, USAA is aggressively cheap. One poster said he got full coverage on a Cruze through USAA for under a thousand dollars annually. That is legitimately difficult for non-USAA customers to match.

Nationwide, Farmer's, and Hartford all have Cruze customers in the data. None of them are particularly cheap, but none of them are particularly expensive either. They land in the middle where most of your peers land.

The carriers that seem to overprice the Cruze specifically are the ones with heavy online presence and minimal human interaction. They use algorithm-driven pricing without much manual review, and they often price Chevy vehicles higher than they should.

How to Actually Lower Your Rate Without Lying or Gimmicks

First thing: Go call three different insurers right now. Do not get quotes online. Call. Speak to a human. Humans can override algorithm pricing. One Reddit user called three different GEICO agents and got three different quotes for the same vehicle and driving profile. The highest was forty percent more than the lowest. All three were from GEICO. The difference was which agent pulled the quote and which agent manually reviewed the risk assessment.

Second: Check your deductibles. Most people do not know what deductible they have. One woman mentioned hers was five hundred bucks. She could have cut that to two hundred and fifty and saved three hundred dollars annually. Or raised it to a thousand and saved another two hundred. The math changes based on your financial situation and your risk profile, but most people have a deductible that is not optimized for their circumstances.

Third: Bundle. Bundle your home and auto with the same carrier. Bundle your renters and auto. Bundle anything you can. The discounts range from twenty to thirty-five percent. If you are paying twelve hundred dollars annually for auto and you can save thirty percent through bundling, that is three hundred sixty dollars. That is real money.

Fourth: Tell them about your safety features. Anti-lock brakes, airbags, stability control, and anti-theft devices all get discounts. But insurers do not automatically know about them. You have to tell them. You have to make sure they are coded correctly in the system. Call your agent. Ask them to manually verify that your Cruze's safety features are all coded in the quote. Then ask them to make sure the discounts were applied. Sometimes they are not.

Fifth: Telematics. If you drive safely, telematics will find that. Progressive Snapshot, Allstate Drivewise, State Farm InDrive—they all offer telematics programs. They cost nothing to enroll in. You could save up to thirty percent if you drive like someone who is not on their phone and not speeding. One Cruze owner said she saved two hundred dollars a year through Progressive Snapshot just by not speeding and not braking hard.

Sixth: Low mileage discount. If you drive your Cruze less than seventy-five hundred miles annually, you qualify. That could be another fifteen to thirty percent off. One user said he got a low mileage discount that saved him four hundred and twenty dollars annually because he worked from home and only drove on weekends.

The Coverage Decision That Separates Smart Owners From Overinsured Ones

Here is the actual question you need to ask yourself: Is full coverage worth it on a ten-year-old vehicle worth eight to eleven thousand dollars?

One Reddit thread titled "Should I drop full coverage on my 2013 Chevy Cruze?" had multiple responses. The consensus was: if you have cash reserves to cover a repair, drop comprehensive and collision. Keep liability and uninsured motorist. One user said he dropped full coverage and saved four hundred and fifty dollars a year. If his Cruze got totaled tomorrow, he would buy a used Honda Civic for eight thousand dollars out of savings. That math works for him.

But not everyone has eight thousand in savings.

If you do not have a cash emergency fund that could cover a major repair or replacement, you need full coverage. Or at least collision. A transmission replacement is four thousand dollars. If that happens and you have no collision coverage, you are stuck.

The deductible also matters here. If your deductible is a thousand dollars and you have a fender bender that costs twelve hundred dollars, your insurance covers only two hundred dollars. You pay the thousand. In that scenario, you might as well not have collision coverage because the deductible eats the claim.

One owner mentioned a five-hundred-dollar deductible. That is reasonable. You could hit that with a minor accident, and the insurance would cover something. Another person mentioned a thousand-dollar deductible. At that point, you are essentially self-insuring anything under a thousand dollars.

The liability limits matter too. State minimums are usually low. In many states, they are fifteen thousand per person and thirty thousand per accident. If you hit someone with a late-model luxury car and injure them seriously, fifteen thousand will not cover the medical bills. You could end up personally responsible for the rest. Raising your liability limits to one hundred thousand per person and three hundred thousand per accident costs maybe another twenty to thirty dollars monthly. That is cheap insurance against catastrophic financial liability.

Uninsured motorist coverage is criminally underutilized. One out of every eight drivers is uninsured. If they hit you, you have no recourse unless you have uninsured motorist coverage. Seriously, go check right now if you have it. Most Cruze owners do not.

What the Data Shows About Age, Gender, and Driving Record

A forty-year-old male paid $115 monthly for full coverage. A thirty-five-year-old female paid $258 for the same generation vehicle. Why the massive difference?

Age is one factor, but it goes both directions. Young drivers (sixteen to twenty-five) pay a ton because they have zero driving history and statistically have more accidents. Older drivers (sixty-five plus) also pay more because of age-related issues and slower reaction times. The sweet spot is usually thirty-five to sixty-four years old. That is where you get the lowest rates.

Gender also affects rates, though the difference is often smaller than people think. Insurance companies claim they use gender as a proxy for risk data, not sexism. They say males statistically file more claims for collision and have more traffic violations. Females statistically file more comprehensive claims for theft and weather damage. The claim frequency is genuinely different by gender in the actuarial data. How much that affects pricing varies by state and carrier.

Driving record is the biggest single factor. One person mentioned a single small accident bumped his rate from whatever it would have been to $210 monthly. That accident probably cost him three thousand dollars in additional premiums over the next three to five years. That is the real insurance penalty—not the deductible, but the surcharge that follows.

No accidents. No tickets. Five years clean. That is when you get the best rates. And that is when you should absolutely go shopping for insurance because your clean record has market value. Carriers will fight over you.

Things About Cruze Insurance That Surprised Even Us

The theft thing is weird. The Cruze was commonly stolen in 2015. It is barely stolen now. You would think that would universally lower rates, but it does not. Insurers are slow to adjust theft risk models. They have data going back a decade, and they weight recent years more heavily, but the change in theft trends does not immediately translate to lower comprehensive premiums. Give it another two or three years and Cruze rates might drop further because the theft risk fully drops out of the actuarial model.

The production discontinuation is not as big a factor as you would think. You might assume that a discontinued vehicle would cost more to insure because parts are rare or becoming rare. And that is true to some extent. But there is a flip side: fewer new Cruzes means more Cruzes sitting on the used market competing on price. That means lower replacement value estimates, which means lower premiums. The scarcity of parts and the abundance of used inventory cancel each other out somewhat.

The safety rating situation is strange too. The Cruze does not score great on crash avoidance. It scored "Basic" from the IIHS, which is the lowest category they have for newer crash test vehicles. You would expect that to tank the rates. But Cruze insurance is still cheaper than comparable vehicles with better safety ratings. Why? Because repair costs are low. Collision repair on a Cruze is cheaper than collision repair on a Camry or a Civic. Lower repair costs win over safety ratings in insurance pricing.

One Reddit user mentioned that they got a lower quote for their Cruze when they mentioned it was a stick shift. Stick shift vehicles are almost never stolen, so they get anti-theft discounts. This Cruze owner saved money just by having a manual transmission. That is a real thing. Thieves do not want stick shifts. Insurers reward that.

The bundling discount is genuinely huge if you take it. We are talking thirty percent off the entire auto policy. Most people do not bundle because they do not think to ask. Their insurance agent does not mention it unless they specifically ask. Call tomorrow. Ask about bundling. It could be a few hundred dollars.

Comparison: Cruze vs. Other Compact Cars

Here is where the Cruze actually shines.

Honda Civic: averages around two thousand six hundred seventy-eight dollars annually for full coverage according to Bankrate. That is more than double the low end of Cruze pricing.

Toyota Corolla: the five-year insurance cost is about four thousand sixty-five dollars, implying roughly eight hundred thirteen dollars per year according to Edmunds. That is lower than high-end Cruze pricing but roughly equal to mid-range Cruze pricing.

Hyundai Elantra: falls somewhere between the Corolla and the Civic, usually running around eight hundred to nine hundred fifty dollars annually for full coverage.

Ford Focus: competes directly with the Cruze and usually runs within fifty to a hundred dollars of the Cruze annually.

Mazda3: generally more expensive than the Cruze, often running one thousand plus annually.

The Cruze's advantage is repair cost and parts availability. Even though production ended, there are millions of Cruzes still on the road. Parts are available. Shops know how to fix them. The insurance industry has tons of repair history. All of that drives rates down.

VehicleAnnual Full CoverageAdvantage/Disadvantage
Chevy Cruze$1,038–$1,566Cheaper repair costs; available parts
Honda Civic$2,678Higher safety rating; higher cost
Toyota Corolla~$813 (5-yr avg)Similar price; better reliability reputation
Hyundai Elantra$850–$950Competitive; newer technology
Ford Focus$1,050–$1,150Nearly identical to Cruze
Mazda3$1,000–$1,200Slightly higher; better driving dynamics

The Cruze lands in the bottom tier of compact car insurance costs. That is the main reason it is still a decent choice for budget-conscious buyers, even with production ended seven years ago.

The Coolant Loss Issue and Why It Matters to Your Quote

One owner reported a coolant loss problem where the system shows low coolant warnings with no visible leak. Then the engine overheats. That means potential catastrophic engine damage. Engine damage means thousands of dollars in repairs.

Insurers have repair shop data. They know how often this happens. They know the cost to fix it. And they price for it.

This is different from a typical maintenance item. You cannot plan for this. It happens unexpectedly. The repair cost is unpredictable. That uncertainty drives up the comprehensive premium because insurers have to account for worst-case scenarios.

If you own a Cruze and you see a low coolant warning, do not ignore it. Get it checked immediately. If there is a slow leak somewhere, catch it before it becomes an engine failure. An engine failure is five hundred dollars. An engine replacement is thousands.

Insurers reward preventive maintenance. If your insurer offers roadside assistance as part of your policy, call them when you see the warning light. Let them document that you took action. That might help if you need to file a claim later.

When to Drop Full Coverage and When to Keep It

The actual decision tree:

If your Cruze is worth less than three thousand dollars, full coverage costs more annually than the vehicle depreciates. Drop it.

If you have a ten-thousand-dollar emergency fund and your vehicle is worth less than fifteen thousand, you can consider dropping full coverage.

If you are still paying a loan on the vehicle, keep full coverage. The lender requires it.

If you drive in an area with high theft rates, keep full coverage unless you have zero comprehensive history and claim frequency is dropping.

If your vehicle has outstanding recalls, keep full coverage while those recalls are unresolved.

If you have zero driving record problems and you drive infrequently, full coverage becomes optional rather quickly.

One Cruze owner mentioned dropping from full coverage to liability and uninsured motorist only. She saved four hundred fifty dollars annually. That is huge. But she had to be comfortable with the financial risk of a major repair.

Most people are not comfortable with that risk, so they keep full coverage and pay the premium.

What Actually Gets You the Biggest Discounts

Safety features get ignored all the time. Most people do not know their car has features that qualify for discounts. Anti-lock brakes, stability control, and anti-theft devices all earn discounts up to 35% at some carriers. Call your insurer tomorrow. Ask them to pull up your vehicle information. Verify that every safety feature is properly coded in their system. Ownership has shown that many policies do not have these features coded, which means the discount is not being applied.

Telematics discounts save real money. We are talking $200-$400 annually for safe drivers. Progressive Snapshot, Allstate Drivewise, and State Farm InDrive all monitor your driving and reward you if you do not speed, do not brake hard, and do not drive recklessly. These programs are free to enroll in. One Cruze owner said she saved $200 annually through Progressive Snapshot just by driving normally.

Low mileage discounts matter if you work from home or drive infrequently. Less than 7,500 miles annually qualifies you for 15-30% off comprehensive and collision. One owner reported a $420 annual savings by taking the low mileage discount. If you drive your Cruze only on weekends, check this immediately.

Good student discounts apply if you are under 25 and maintain good grades. Multi-policy discounts apply if you bundle multiple policies. Accident-free discounts apply if you go 3-5 years without a claim. Some carriers offer discounts just for being loyal customers for multiple years. The key is asking. Insurers do not volunteer these discounts. You have to say "What other discounts do I qualify for?" Then listen to the list.

Cruze Insurance by Model Year and Generation

The first generation (2011-2015) consistently costs less to insure than the second generation (2016-2019) due to lower market values and older technology that is cheaper to repair. A 2012 Cruze might insure for $1,100-$1,300 annually, while a 2019 Cruze might run $1,400-$1,700. The gap narrows every year as the 2019 models depreciate further. Within five years, the 2019 will be in the same price range as the 2015.

The 2017 and 2018 models hit a sweet spot. They are new enough to have good safety ratings (the 2017 received "Good" ratings on most IIHS crash tests according to the IIHS), but old enough to have depreciated into the $10,000-$14,000 range, which keeps insurance affordable. These model years are popular in the used market, which means parts are abundant and repair shops have tons of experience with them.

This screenshot shows the IIHS safety ratings for recent Cruze models. The 2017 received "Good" ratings on most tests, which helps keep insurance rates from climbing too high despite the vehicle's age.

The Numbers by State

Florida drivers, representing 11.5% of all quote requests, typically pay 20-30% more for insurance than the national average due to high accident rates and theft rates. A Cruze in Florida that would cost $1,200 nationally might cost $1,500 in Florida.

Texas, at 9.6% of requests, sits slightly above national averages due to size and population density in urban centers like Dallas and Houston. California at 6.4% of requests has high rates in major metro areas like Los Angeles and San Francisco but lower rates in rural areas.

Michigan, at 3.9% of requests despite being much smaller by population, has rates that are among the highest in the nation due to no-fault insurance laws. A Cruze that costs $1,200 in most states might cost $1,500-$1,700 in Michigan.

New York at 4.5% has high rates in New York City but much lower rates upstate. Georgia at 5.4% has competitive rates, especially outside Atlanta.

The lesson: location is destiny for your insurance rate. Same car, same driver, different zip code, completely different price.

Things Nobody Mentions Until You Ask

Surplus lines carriers exist. If your Cruze cannot get insured through standard carriers because of accident history, age, or other issues, surplus lines carriers will insure it, but at a much higher cost. You never have to go this route unless you cannot get standard market quotes.

The claims experience varies by carrier. One Cruze owner mentioned that GEICO was fast and easy to deal with but priced higher than expected. Another said State Farm took forever to process a claim but were eventually fair. Allstate was mentioned as having good customer service but sometimes inexplicably high quotes. None of these are universal truths, but they are what real owners reported.

Rental car coverage adds maybe $10-$15 monthly but covers you if your Cruze is in the shop after a collision. One owner said this saved her hundreds when her Cruze needed a week of repairs and she needed a rental.

Roadside assistance costs nothing to ask about and covers towing, lockouts, jump-starts, and fuel delivery. If you have an old Cruze and it breaks down at midnight on a highway, this is worth every penny.

Gap insurance applies only if you are financing. If you owe $12,000 on a Cruze worth $10,000 and it is totaled, gap insurance covers the $2,000 gap. Most Cruze owners are paying cash, so gap insurance does not apply.

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