Chevrolet Spark Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $196
Collision $374
Liability $510

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.

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

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.

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

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

View Chart as Image

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

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.

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
Chevrolet Spark Insurance Rates by Model Year
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

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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