Chevrolet Spark Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 16, 2024
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Estimated auto insurance rates for a Chevrolet Spark are $1,260 annually with full coverage. Comprehensive costs approximately $196, collision costs $374, and liability costs $510. A liability-only policy costs as little as $568 a year, with high-risk insurance costing around $2,740. Teenage drivers pay the most at $5,016 a year or more.
Average premium for full coverage: $1,260
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Spark models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Chevrolet Spark go from as cheap as $568 for a discount liability-only rate to the much higher price of $2,740 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Rural locations are statistically proven to have fewer collision claims than densely populated cities.
The example below illustrates how your location can change auto insurance prices.
These rate differences demonstrate why everyone should compare rates using their specific location and their own personal driving habits, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below details estimated Chevrolet Spark insurance rates for additional coverage and risk scenarios.
- The best discount rate is $743
- Drivers who choose higher $1,000 deductibles will pay $128 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,260
- Using pricier low deductibles for comprehensive and collision insurance will cost $1,512
- Drivers who are prone to accidents and violations could pay around $2,740 or more
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost $5,016 a year
Auto insurance prices for a Chevrolet Spark also have a wide range based on the model of your Spark, your driving record, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $5,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. Chevrolet Spark insurance for high-risk drivers can cost from 42% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $380 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Chevrolet Spark insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,700 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,138 | -$122 | -9.7% |
| Alaska | $966 | -$294 | -23.3% |
| Arizona | $1,046 | -$214 | -17.0% |
| Arkansas | $1,260 | -$0 | 0.0% |
| California | $1,438 | $178 | 14.1% |
| Colorado | $1,202 | -$58 | -4.6% |
| Connecticut | $1,296 | $36 | 2.9% |
| Delaware | $1,426 | $166 | 13.2% |
| Florida | $1,578 | $318 | 25.2% |
| Georgia | $1,164 | -$96 | -7.6% |
| Hawaii | $904 | -$356 | -28.3% |
| Idaho | $854 | -$406 | -32.2% |
| Illinois | $938 | -$322 | -25.6% |
| Indiana | $950 | -$310 | -24.6% |
| Iowa | $850 | -$410 | -32.5% |
| Kansas | $1,196 | -$64 | -5.1% |
| Kentucky | $1,720 | $460 | 36.5% |
| Louisiana | $1,864 | $604 | 47.9% |
| Maine | $780 | -$480 | -38.1% |
| Maryland | $1,040 | -$220 | -17.5% |
| Massachusetts | $1,006 | -$254 | -20.2% |
| Michigan | $2,186 | $926 | 73.5% |
| Minnesota | $1,054 | -$206 | -16.3% |
| Mississippi | $1,510 | $250 | 19.8% |
| Missouri | $1,116 | -$144 | -11.4% |
| Montana | $1,352 | $92 | 7.3% |
| Nebraska | $994 | -$266 | -21.1% |
| Nevada | $1,514 | $254 | 20.2% |
| New Hampshire | $910 | -$350 | -27.8% |
| New Jersey | $1,410 | $150 | 11.9% |
| New Mexico | $1,116 | -$144 | -11.4% |
| New York | $1,326 | $66 | 5.2% |
| North Carolina | $726 | -$534 | -42.4% |
| North Dakota | $1,032 | -$228 | -18.1% |
| Ohio | $870 | -$390 | -31.0% |
| Oklahoma | $1,294 | $34 | 2.7% |
| Oregon | $1,156 | -$104 | -8.3% |
| Pennsylvania | $1,202 | -$58 | -4.6% |
| Rhode Island | $1,682 | $422 | 33.5% |
| South Carolina | $1,144 | -$116 | -9.2% |
| South Dakota | $1,064 | -$196 | -15.6% |
| Tennessee | $1,102 | -$158 | -12.5% |
| Texas | $1,518 | $258 | 20.5% |
| Utah | $934 | -$326 | -25.9% |
| Vermont | $862 | -$398 | -31.6% |
| Virginia | $754 | -$506 | -40.2% |
| Washington | $974 | -$286 | -22.7% |
| West Virginia | $1,156 | -$104 | -8.3% |
| Wisconsin | $872 | -$388 | -30.8% |
| Wyoming | $1,122 | -$138 | -11.0% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from multiple companies. Every company uses a different method to calculate prices, and quoted prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Chevrolet Spark | $224 | $436 | $470 | $1,310 |
| 2021 Chevrolet Spark | $216 | $418 | $486 | $1,300 |
| 2020 Chevrolet Spark | $204 | $404 | $500 | $1,288 |
| 2019 Chevrolet Spark | $196 | $374 | $510 | $1,260 |
| 2018 Chevrolet Spark | $188 | $352 | $514 | $1,234 |
| 2017 Chevrolet Spark | $180 | $316 | $520 | $1,196 |
| 2015 Chevrolet Spark | $162 | $272 | $524 | $1,138 |
| 2014 Chevrolet Spark | $158 | $254 | $534 | $1,126 |
| 2013 Chevrolet Spark | $148 | $236 | $534 | $1,098 |
Rates are averaged for all Chevrolet Spark models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Chevrolet Spark Insurance
Finding better rates on insurance for a Chevrolet Spark not only requires being safe and accident-free, but also having above-average credit, being claim-free, and not having any coverage lapses. Invest the time to shop around once a year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.
Below you'll find a review of the data that was illustrated above.
- You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
- Insureds who purchase more liability protection will pay an extra $560 every year to go from 30/60 bodily injury limits to higher 250/500 limits
- Youthful drivers have the highest car insurance prices, possibly costing $418 per month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,480 more per year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,016 |
| 20 | $2,934 |
| 30 | $1,294 |
| 40 | $1,260 |
| 50 | $1,158 |
| 60 | $1,136 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,512 |
| $250 | $1,396 |
| $500 | $1,260 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,260 |
| 50/100 | $1,362 |
| 100/300 | $1,490 |
| 250/500 | $1,821 |
| 100 CSL | $1,413 |
| 300 CSL | $1,694 |
| 500 CSL | $1,898 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,104 |
| 20 | $4,676 |
| 30 | $2,774 |
| 40 | $2,740 |
| 50 | $2,622 |
| 60 | $2,598 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $65 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $85 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $51 |
| Advance Quote | $59 |
| Online Quote | $86 |
| Total Discounts | $517 |
Discounts are estimated and may not be available from every company or in every state.
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