Chevrolet Spark Insurance Rates

The average insurance prices for a Chevrolet Spark are $1,234 every 12 months for full coverage. Comprehensive insurance costs approximately $188 each year, collision insurance costs $352, and liability coverage costs $514. Liability-only coverage costs as little as $572 a year, and high-risk coverage costs $2,686 or more. Teens cost the most to insure at up to $4,944 a year.

Average premium for full coverage: $1,234

Policy rates by type of insurance:

These estimates include $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Spark models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.

The examples above show why all drivers should compare rates using their specific location and their own driving history, rather than using averaged prices.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below shows average Chevrolet Spark insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $730
• Drivers who choose higher $1,000 deductibles will pay $120 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,234
• Selecting low deductibles for comprehensive and collision insurance costs an extra $240 each year
• High-risk insureds with serious driving violations could pay around $2,686
• Policy cost to insure a teenage driver can cost $4,944 a year

View Chart as Image

Insurance rates for a Chevrolet Spark also range considerably based on liability limits and deductibles, your driver profile, and the model of your Spark.

Choosing higher comprehensive and collision insurance deductibles could save up to $360 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $462 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost around 42% to 135% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Chevrolet Spark insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,760 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for Cheap Chevrolet Spark Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a brief summary of the data covered in the charts and tables above.

• Consumers who purchase increased levels of liability coverage will pay approximately $570 each year to go from a 30/60 limit to a 250/500 level
• Drivers can save around $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Drivers age 20 and younger are the costliest to insure, costing up to $412 each month if full coverage is included