Chevrolet Spark Insurance Rates

U.S. average insurance prices for a Chevrolet Spark are $1,234 every 12 months with full coverage. Comprehensive insurance costs on average $188 a year, collision insurance costs $352, and liability coverage costs around $514. A policy with just liability insurance costs as low as $572 a year, and coverage for high-risk drivers costs $2,686 or more. Teenage drivers pay the highest rates at up to $4,944 a year.

Average premium for full coverage: $1,234

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Spark trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have more infrequent collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.

The ranges above demonstrate why it is important to compare prices based on a specific location and their own driving history, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $730
• Using higher $1,000 deductibles will save around $1,114 annually
• The average price for the average middle-age driver with $500 deductibles is $1,234
• Using low $100 deductibles for physical damage coverage costs an extra $240 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,686
• The price to insure a teenage driver may cost $4,944 or more

View Chart as Image

Insurance prices for a Chevrolet Spark are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Spark.

Using high physical damage deductibles could cut prices by as much as $360 a year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $462 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Chevrolet Spark insurance rates. A driver around age 40 might see prices as low as $890 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,670 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Best Cheap Chevrolet Spark Insurance

Getting lower rates on auto insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to compare rates every other policy renewal by getting price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a quick review of the ideas that were covered in the above illustrations.

• Drivers age 16 to 20 pay the highest prices, costing up to $412 a month if they have full coverage
• Drivers with a DUI or reckless driving violation may pay on average $1,450 more each year than a safer driver
• Increasing physical damage deductibles could save as much as $350 each year
• You may be able to save as much as $140 per year just by quoting early and online