Chevrolet Spark Insurance Rates
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UPDATED: May 12, 2022
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Estimated auto insurance rates for a Chevrolet Spark are $1,260 annually with full coverage. Comprehensive insurance costs on average $196 each year, collision insurance costs $374, and liability is $510. A policy with only liability insurance costs around $568 a year, and a high-risk policy costs $2,740 or more. Teen drivers pay the most at up to $5,016 a year.
Average premium for full coverage: $1,260
Premium estimates by type of coverage:
Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Spark models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Chevrolet Spark range from as cheap as $568 for a discount liability-only rate to a high rate of $2,740 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than larger metro areas. The graphic below illustrates how location helps determine car insurance rates.
These rate differences demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below details average Chevrolet Spark insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $743
- Raising to $1,000 deductibles will save around $128 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,260
- Choosing low deductibles costs an additional $252 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,740
- An auto insurance policy with full coverage for a 16-year-old driver may cost $5,016
Car insurance prices for a Chevrolet Spark also have a wide range based on the model of your Spark, your driving record, and policy deductibles and limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $5,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $380 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $459 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Chevrolet Spark insurance prices. A middle-age driver might find prices as low as $910 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,700 on average in Florida, Michigan, and New York.
| 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% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Chevrolet Spark | $196 | $374 | $510 | $1,260 |
| 2015 Chevrolet Spark | $180 | $316 | $520 | $1,196 |
| 2014 Chevrolet Spark | $168 | $292 | $520 | $1,160 |
| 2013 Chevrolet Spark | $162 | $272 | $524 | $1,138 |
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 Buy the Right Chevrolet Spark Insurance
Finding better rates on insurance for a Chevrolet Spark consists of being a low-risk driver, having a good credit score, being claim-free, and possibly raising deductibles. Invest time comparing rates every time your policy renews by getting quotes from direct companies, and also from local independent and exclusive agents.
The items below are a quick rundown of the information covered in the charts and tables above.
- You may be able to save as much as $150 per year just by quoting online in advance
- Teen drivers are expensive to insure, possibly costing $418 per month if comprehensive and collision insurance is included
- Increasing policy deductibles could save up to $375 each year
- Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,480 more each year to insure their Spark
- Insureds who require more liability coverage will pay about $560 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
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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