Chevrolet Spark Insurance Rates
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UPDATED: May 16, 2024
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Average insurance prices for a Chevrolet Spark are $1,260 every 12 months including full coverage. Comprehensive costs approximately $196, collision costs $374, and liability is $510. A policy with just liability insurance costs around $568 a year, with coverage for high-risk drivers costing around $2,740. Teens receive the highest rates at $5,016 a year or more.
Average premium for full coverage: $1,260
Rate estimates by individual coverage type:
Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Spark trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $568 for basic liability insurance to a much higher rate of $2,740 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how location helps determine auto insurance prices.
These examples highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of using averaged prices.
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.
Rate Comparisons
The chart below breaks down estimated Chevrolet Spark insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $743
- Raising to $1,000 deductibles will save $128 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,260
- Selecting more expensive low deductibles increases the price to $1,512
- At-risk drivers with serious driving violations could pay around $2,740 or more
- The cost to insure a teen driver with full coverage can cost $5,016
Insurance rates for a Chevrolet Spark can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Spark.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $380 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $459 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 132% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Chevrolet Spark insurance prices. A middle-age driver might find rates as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,800 on average in Louisiana, New York, and Michigan.
| 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% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and rates can be significantly different.
| 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 More Affordable Chevrolet Spark Insurance
Saving money on car insurance consists of having a good driving record, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
The next list is a summary of the information covered in the charts and tables above.
- You may be able to save around $150 per year simply by shopping early and online
- Drivers age 20 and younger are the costliest to insure, as much as $418 per month if full coverage is included
- Increasing deductibles could save as much as $375 each year
- Higher risk drivers who have multiple accidents or major violations could be charged and average of $1,480 more per year to buy Chevrolet Spark insurance
- Policyholders who purchase increased levels of liability coverage will pay approximately $560 per year to raise from a minimum limit to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,512 |
| $250 | $1,396 |
| $500 | $1,260 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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