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 insurance prices for a Chevrolet Spark are $1,234 every 12 months for full coverage. Comprehensive insurance costs around $188 a year, collision costs $352, and liability insurance is estimated at $514. A policy with just liability insurance costs approximately $572 a year, with coverage for high-risk drivers costing $2,686 or more. 16-year-old drivers pay the highest rates at $4,944 a year or more.
Average premium for full coverage: $1,234
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Spark trim levels.
Price Range from Low to High
For an average driver, Chevrolet Spark insurance prices go from the cheapest price of $572 for your basic liability-only policy to a high of $2,686 for a high-risk driver policy.
Geographic Price Range
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have more infrequent accident claims than congested cities.
The diagram below illustrates the effect of geographic area on auto insurance rates.
The ranges above show why it is important to get quotes for a specific zip code and their own driving history, 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.
More Rate Information
The chart below shows estimated Chevrolet Spark insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $730
- Choosing higher $1,000 deductibles can save about $1,114 a year
- The average price for the average middle-age driver using $500 deductibles is $1,234
- Buying low $100 deductibles for comp and collision coverage costs an extra $240 a year
- High-risk insureds with multiple tickets or accidents could pay at least $2,686 or more
- The price to insure a teen driver can be $4,944 each year
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.
Opting for high physical damage deductibles can save as much as $360 each year, while buying higher liability limits will increase prices. Going 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 could pay as little as $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 $4,900 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. A high-risk auto insurance policy ranges anywhere from 42% to 135% more than the average rate. 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 $820 a year in states like Idaho, Maine, and Iowa, or at least $1,760 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know your exact price is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so the prices may be quite different.
| 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 Shop for Affordable Chevrolet Spark Insurance
Getting lower rates on Chevrolet Spark insurance takes being safe and accident-free, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief review of the information covered in the above illustrations.
- Drivers can save up to $140 per year simply by quoting early and online
- Youthful drivers pay higher prices, with premiums as much as $412 a month if they have full coverage
- Increasing physical damage deductibles could save as much as $350 each year
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,450 more every year than a low-risk driver
- Drivers who may need more liability protection will pay around $570 each year to raise limits from a low limit to a 250/500 level
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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