Chevrolet Spark Insurance Rates

The average insurance prices for a Chevrolet Spark are $1,260 every 12 months for full coverage. Comprehensive insurance costs on average $196 each year, collision insurance costs $374, and liability is estimated at $510. A liability-only policy costs approximately $568 a year, and high-risk insurance costs $2,740 or more. Teenage drivers cost the most to insure at up to $5,016 a year.

Average premium for full coverage: $1,260

Policy rates by type of insurance:

Rate estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Spark models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities. The graphic below illustrates how geographic area affects car insurance rates.

The examples above show why all drivers should get quotes based on a specific location and their own driving history, instead of using average rates.

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

More Rate Information

The chart below shows average Chevrolet Spark insurance rates for different risk profiles and scenarios.

• The best discount rate is $743
• Choosing higher $1,000 deductibles can save around $128 a year
• The average price for a good driver age 40 with $500 deductibles is $1,260
• Using low deductibles for comp and collision coverage costs an extra $252 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,740
• Policy cost to insure a teen driver may cost $5,016 each year

View Chart as Image

Car insurance rates for a Chevrolet Spark also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Spark.

Using high physical damage deductibles can save as much as $380 every year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $5,000 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 at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 132% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

How to Shop for the Best Chevrolet Spark Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at least once a year by getting quotes from direct carriers, and also from local independent and exclusive agents.

Below is a brief recap of the primary concepts that were presented in the illustrations above.

• Drivers can save as much as $150 per year just by quoting online in advance
• Higher risk drivers who tend to receive serious violations pay an average of $1,480 more each year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• Teenage drivers are expensive to insure, costing up to $418 each month if the policy includes full coverage