Chevrolet Spark Insurance Rates

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UPDATED: May 16, 2024

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U.S. average insurance prices for a Chevrolet Spark are $1,260 every 12 months for full coverage. Comprehensive insurance costs around $196 each year, collision insurance costs $374, and liability coverage is estimated at $510. A policy with just liability insurance costs approximately $568 a year, and coverage for high-risk drivers costs $2,740 or more. Teen drivers pay the highest rates at up to $5,016 a year.

Average premium for full coverage: $1,260

Price estimates for individual coverage:

Comprehensive $196
Collision $374
Liability $510

Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Spark models.

Price Range from Low to High

Using a 40-year-old driver as an example, Chevrolet Spark insurance prices range from the cheapest price of $568 for just liability insurance to a high rate of $2,740 for a driver who has had serious violations or accidents.

Liability Only $568
Full Coverage $1,260
High Risk $2,740

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population have more infrequent accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $945
Small Cities $1,323
Large Cities $1,701

The ranges above show why all drivers should get quotes for a specific zip code and their own driving history, rather than using price averages.

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.

More Rate Details

The chart below shows average Chevrolet Spark insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $743
  • Choosing higher $1,000 deductibles can save about $128 a year
  • The average price for the average middle-age driver using $500 deductibles is $1,260
  • Choosing low deductibles for comp and collision coverage costs an extra $252 each year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,740
  • The price to insure a teenage driver can be $5,016 each year

View Chart as Image

Chevrolet Spark insurance cost comparison chart
Column chart showing Chevrolet Spark insurance prices range from $743 to $5,016 for full coverage

Insurance prices for a Chevrolet Spark are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.

Choosing high deductibles can save as much as $380 a year, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $459 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at least $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges around 42% to 132% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Chevrolet Spark insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,800 on average in Michigan, Louisiana, and New York.

Chevrolet Spark Insurance Rates by State
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%

View Chart as Image

Chevrolet Spark insurance rates by U.S. city
Chevrolet Spark Insurance Rates by Model Year
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 Shop for the Cheapest Chevrolet Spark Insurance

Getting lower rates on auto insurance takes being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around every other policy renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a recap of the ideas that were raised in the charts and tables above.

  • Teenage drivers pay higher prices, with premiums as much as $418 a month if they have full coverage
  • Drivers that have major violations or accidents may pay on average $1,480 more every year for auto insurance
  • Increasing physical damage deductibles could save as much as $375 each year
  • Drivers can save up to $150 per year just by quoting online in advance

Rates by Driver Age

Chevrolet Spark Insurance 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

Chevrolet Spark Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,512
$250 $1,396
$500 $1,260
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Spark Insurance Rates with Different Liability Limits
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

Chevrolet Spark Insurance 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.

SR-22 Surcharge $176

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
Rate after discounts $743

Discounts are estimated and may not be available from every company or in every state.

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