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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U.S. average auto insurance rates for a Chevrolet Spark are $1,234 annually with full coverage. Comprehensive insurance costs approximately $188, collision insurance costs $352, and liability insurance costs $514. Buying just liability costs as little as $572 a year, and insurance for high-risk drivers costs $2,686 or more. 16-year-old drivers pay the highest rates at up to $4,944 a year.
Average premium for full coverage: $1,234
Price estimates by individual coverage:
Prices include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all Spark models.
Price Range from Low to High
For the average 40-year-old driver, Chevrolet Spark insurance prices range from as cheap as $572 for the bare minimum liability coverage to the much higher price of $2,686 for a high-risk insurance policy.
Geographic Price Range
Your location has a significant impact on the price of insurance. Rural locations have fewer collision claims than congested cities. The example below illustrates the difference location can make on auto insurance prices.
The ranges above demonstrate why everyone should compare rates using their specific location and their own personal driving habits, rather than relying on rate 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.
Additional Rate Information
The chart below details average Chevrolet Spark insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $730
- Drivers who choose higher $1,000 deductibles will pay $120 annually
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,234
- Buying pricier low deductibles for comprehensive and collision insurance costs an additional $240 a year
- High risk drivers with multiple tickets or accidents could pay around $2,686
- The price with full coverage for a teen driver for full coverage can cost $4,944 a year
Insurance prices for a Chevrolet Spark are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 additional each year, depending on your age. Chevrolet Spark insurance for high-risk drivers can cost anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $360 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $462 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Chevrolet Spark insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Utah, Ohio, and New Hampshire, or at least $1,670 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,116 | -$118 | -9.6% |
| Alaska | $946 | -$288 | -23.3% |
| Arizona | $1,026 | -$208 | -16.9% |
| Arkansas | $1,234 | -$0 | 0.0% |
| California | $1,406 | $172 | 13.9% |
| Colorado | $1,180 | -$54 | -4.4% |
| Connecticut | $1,268 | $34 | 2.8% |
| Delaware | $1,400 | $166 | 13.5% |
| Florida | $1,548 | $314 | 25.4% |
| Georgia | $1,142 | -$92 | -7.5% |
| Hawaii | $888 | -$346 | -28.0% |
| Idaho | $838 | -$396 | -32.1% |
| Illinois | $920 | -$314 | -25.4% |
| Indiana | $932 | -$302 | -24.5% |
| Iowa | $834 | -$400 | -32.4% |
| Kansas | $1,172 | -$62 | -5.0% |
| Kentucky | $1,684 | $450 | 36.5% |
| Louisiana | $1,828 | $594 | 48.1% |
| Maine | $764 | -$470 | -38.1% |
| Maryland | $1,020 | -$214 | -17.3% |
| Massachusetts | $986 | -$248 | -20.1% |
| Michigan | $2,144 | $910 | 73.7% |
| Minnesota | $1,034 | -$200 | -16.2% |
| Mississippi | $1,480 | $246 | 19.9% |
| Missouri | $1,096 | -$138 | -11.2% |
| Montana | $1,328 | $94 | 7.6% |
| Nebraska | $974 | -$260 | -21.1% |
| Nevada | $1,484 | $250 | 20.3% |
| New Hampshire | $890 | -$344 | -27.9% |
| New Jersey | $1,382 | $148 | 12.0% |
| New Mexico | $1,092 | -$142 | -11.5% |
| New York | $1,302 | $68 | 5.5% |
| North Carolina | $712 | -$522 | -42.3% |
| North Dakota | $1,012 | -$222 | -18.0% |
| Ohio | $854 | -$380 | -30.8% |
| Oklahoma | $1,268 | $34 | 2.8% |
| Oregon | $1,132 | -$102 | -8.3% |
| Pennsylvania | $1,176 | -$58 | -4.7% |
| Rhode Island | $1,648 | $414 | 33.5% |
| South Carolina | $1,120 | -$114 | -9.2% |
| South Dakota | $1,042 | -$192 | -15.6% |
| Tennessee | $1,078 | -$156 | -12.6% |
| Texas | $1,488 | $254 | 20.6% |
| Utah | $914 | -$320 | -25.9% |
| Vermont | $846 | -$388 | -31.4% |
| Virginia | $738 | -$496 | -40.2% |
| Washington | $954 | -$280 | -22.7% |
| West Virginia | $1,132 | -$102 | -8.3% |
| Wisconsin | $854 | -$380 | -30.8% |
| Wyoming | $1,100 | -$134 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Chevrolet Spark | $216 | $418 | $486 | $1,300 |
| 2021 Chevrolet Spark | $204 | $404 | $500 | $1,288 |
| 2020 Chevrolet Spark | $196 | $374 | $510 | $1,260 |
| 2019 Chevrolet Spark | $188 | $352 | $514 | $1,234 |
| 2018 Chevrolet Spark | $180 | $316 | $520 | $1,196 |
| 2017 Chevrolet Spark | $168 | $292 | $520 | $1,160 |
| 2015 Chevrolet Spark | $158 | $254 | $534 | $1,126 |
| 2014 Chevrolet Spark | $148 | $236 | $534 | $1,098 |
| 2013 Chevrolet Spark | $144 | $214 | $540 | $1,078 |
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 the Right Chevrolet Spark Insurance
Getting lower rates on Chevrolet Spark insurance not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a quick rundown of the car insurance concepts touched on in this article.
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,450 more per year to insure their Spark
- You may be able to save around $140 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $350 each year
- Drivers who purchase more liability coverage will pay around $570 every year to go from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,944 |
| 20 | $2,870 |
| 30 | $1,266 |
| 40 | $1,234 |
| 50 | $1,136 |
| 60 | $1,114 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,474 |
| $250 | $1,364 |
| $500 | $1,234 |
| $1,000 | $1,114 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,234 |
| 50/100 | $1,337 |
| 100/300 | $1,465 |
| 250/500 | $1,799 |
| 100 CSL | $1,388 |
| 300 CSL | $1,671 |
| 500 CSL | $1,877 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,996 |
| 20 | $4,582 |
| 30 | $2,716 |
| 40 | $2,686 |
| 50 | $2,568 |
| 60 | $2,546 |
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 | $63 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $49 |
| Advance Quote | $58 |
| Online Quote | $84 |
| Total Discounts | $504 |
Discounts are estimated and may not be available from every company or in every state.
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