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 with full coverage. Comprehensive costs an estimated $196, collision insurance costs $374, and liability is estimated at $510. A liability-only policy costs approximately $568 a year, and high-risk insurance costs around $2,740. Teens receive the highest rates at up to $5,016 a year.

Average premium for full coverage: $1,260

Rate estimates broken down by individual coverage type:

Comprehensive $196
Collision $374
Liability $510

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Spark models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the cheapest price of $568 for liability-only coverage to the much higher price of $2,740 for high-risk insurance.

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

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. More rural locations tend to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects insurance prices.

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

These examples demonstrate why everyone should get quotes for a targeted area 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.

Additional Charts and Tables

The chart below details average Chevrolet Spark insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $743
  • Choosing higher $1,000 deductibles can save approximately $128 annually
  • The average price for a 40-year-old driver who has $500 deductibles is $1,260
  • Selecting pricier low deductibles for comp and collision coverage increases the price to $1,512
  • Unlucky drivers with serious driving violations could pay up to $2,740
  • The cost to insure a teen driver for full coverage can cost as much as $5,016 each year

View Chart as Image

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

Insurance rates for a Chevrolet Spark can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $380 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $459 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,500 to $2,100 extra per year, depending on your age. Chevrolet Spark insurance for high-risk drivers ranges as much as 42% to 132% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Chevrolet Spark insurance prices. A good driver about age 40 could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,700 on average in New York, Michigan, and Florida.

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
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 Cheaper Chevrolet Spark Insurance

Saving money on car insurance takes having a decent driving record, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a condensed summary of the material that was raised in the charts and tables above.

  • Policyholders who want additional liability coverage will pay approximately $560 every year to raise limits from a minimum limit to a 250/500 level
  • 16 to 18-year-old drivers are charged the highest rates, with premiums as much as $418 per month if they have full coverage
  • Higher risk drivers with multiple at-fault accidents may pay on average $1,480 more annually than a driver with a clean driving record
  • Increasing deductibles could save as much as $375 each year

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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