Chevrolet Spark Insurance Rates

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2018 Chevrolet Spark Insurance Rates in 2025

Wish you could get a refund on high-priced insurance coverage? Say no more because there are lots of people in the same boat. Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a provider and get the definite lowest rate Consumers should take time to price shop coverage before your policy renews because prices change frequently. Just because you had the ...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: May 16, 2024

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

Average premium for full coverage: $1,260

Policy rates by type of insurance:

Comprehensive $196
Collision $374
Liability $510

Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Spark models.

Price Range Variability

For the normal driver, Chevrolet Spark insurance rates go from the cheapest price of $568 for your basic liability-only policy to the much higher price of $2,740 for a driver required to buy high-risk insurance.

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

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than larger metro areas.

The example below illustrates how geographic area affects auto insurance prices.

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

The examples above show why everyone should get quotes using their specific location and their own driving history, instead of making a decision based on 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 Information

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

  • The lowest rate with discounts is $743
  • Choosing higher $1,000 deductibles can save $128 a year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,260
  • Choosing pricier low deductibles for comp and collision coverage costs an extra $252 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,740 or more
  • Policy cost to insure a 16-year-old driver for full coverage can cost $5,016 each year

View Chart as Image

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

Car 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 high deductibles can save as much as $380 annually, whereas buying more liability protection will push rates upward. 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

A more mature driver with no driving violations and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark 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 anywhere from $1,500 to $2,100 extra every year, depending on your age. Chevrolet Spark insurance for high-risk drivers ranges from 42% to 132% more than average. 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 Iowa, Maine, and Idaho, or as much as $1,800 on average in New York, Louisiana, and Michigan.

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

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes will be varied.

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

Finding cheaper rates on insurance for a Chevrolet Spark takes being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates at every policy renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following list is a recap of the data presented in the illustrations above.

  • Insureds who purchase an increased level of liability coverage will pay about $560 each year to raise limits from a 30/60 limit to a 250/500 level
  • Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $375 each year
  • Drivers age 16 to 20 pay the highest auto insurance rates, costing up to $418 each month if the policy includes full coverage

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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