Chevrolet Spark Insurance Rates
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UPDATED: May 16, 2024
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The average insurance rates for a Chevrolet Spark are $1,288 a year including full coverage. Comprehensive costs on average $204, collision costs $404, and liability is $500. Buying just liability costs around $560 a year, with insurance for high-risk drivers costing around $2,800. Teen drivers cost the most to insure at $5,096 a year or more.
Average premium for full coverage: $1,288
Policy rates by type of insurance:
Price estimates include $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Spark models.
Price Range Variability
For the average 40-year-old driver, Chevrolet Spark insurance rates go from as low as $560 for basic liability insurance to the much higher price of $2,800 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.
The example below illustrates the difference location can make on car insurance rates.
The examples above highlight why everyone should compare rates quotes based on a specific location and risk profile, 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.
Rate Comparisons
The chart below breaks down estimated Chevrolet Spark insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $756
- Raising to $1,000 deductibles will save around $136 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,288
- Choosing pricier low deductibles will increase the cost to $1,558
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,800 or more
- Policy cost for full coverage for a 16-year-old driver for full coverage may cost $5,096
Insurance rates for a Chevrolet Spark also range considerably based on your risk profile, the model of your Spark, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $5,000 a year. View Rates by Age
Your home state also has a big influence on Chevrolet Spark insurance prices. A middle-age driver might find rates as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,840 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,162 | -$126 | -9.8% |
| Alaska | $988 | -$300 | -23.3% |
| Arizona | $1,070 | -$218 | -16.9% |
| Arkansas | $1,288 | -$0 | 0.0% |
| California | $1,466 | $178 | 13.8% |
| Colorado | $1,228 | -$60 | -4.7% |
| Connecticut | $1,322 | $34 | 2.6% |
| Delaware | $1,456 | $168 | 13.0% |
| Florida | $1,610 | $322 | 25.0% |
| Georgia | $1,190 | -$98 | -7.6% |
| Hawaii | $922 | -$366 | -28.4% |
| Idaho | $872 | -$416 | -32.3% |
| Illinois | $956 | -$332 | -25.8% |
| Indiana | $970 | -$318 | -24.7% |
| Iowa | $868 | -$420 | -32.6% |
| Kansas | $1,222 | -$66 | -5.1% |
| Kentucky | $1,754 | $466 | 36.2% |
| Louisiana | $1,906 | $618 | 48.0% |
| Maine | $796 | -$492 | -38.2% |
| Maryland | $1,062 | -$226 | -17.5% |
| Massachusetts | $1,028 | -$260 | -20.2% |
| Michigan | $2,234 | $946 | 73.4% |
| Minnesota | $1,076 | -$212 | -16.5% |
| Mississippi | $1,542 | $254 | 19.7% |
| Missouri | $1,142 | -$146 | -11.3% |
| Montana | $1,384 | $96 | 7.5% |
| Nebraska | $1,014 | -$274 | -21.3% |
| Nevada | $1,544 | $256 | 19.9% |
| New Hampshire | $930 | -$358 | -27.8% |
| New Jersey | $1,440 | $152 | 11.8% |
| New Mexico | $1,138 | -$150 | -11.6% |
| New York | $1,356 | $68 | 5.3% |
| North Carolina | $742 | -$546 | -42.4% |
| North Dakota | $1,056 | -$232 | -18.0% |
| Ohio | $886 | -$402 | -31.2% |
| Oklahoma | $1,320 | $32 | 2.5% |
| Oregon | $1,178 | -$110 | -8.5% |
| Pennsylvania | $1,226 | -$62 | -4.8% |
| Rhode Island | $1,716 | $428 | 33.2% |
| South Carolina | $1,166 | -$122 | -9.5% |
| South Dakota | $1,086 | -$202 | -15.7% |
| Tennessee | $1,126 | -$162 | -12.6% |
| Texas | $1,550 | $262 | 20.3% |
| Utah | $950 | -$338 | -26.2% |
| Vermont | $882 | -$406 | -31.5% |
| Virginia | $770 | -$518 | -40.2% |
| Washington | $994 | -$294 | -22.8% |
| West Virginia | $1,180 | -$108 | -8.4% |
| Wisconsin | $892 | -$396 | -30.7% |
| Wyoming | $1,148 | -$140 | -10.9% |
Choosing high deductibles can reduce rates by up to $410 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $450 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,200 extra every year, depending on your age. Chevrolet Spark insurance for high-risk drivers is expensive and can cost from 43% to 129% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so the rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Chevrolet Spark | $232 | $448 | $450 | $1,310 |
| 2021 Chevrolet Spark | $224 | $436 | $470 | $1,310 |
| 2020 Chevrolet Spark | $216 | $418 | $486 | $1,300 |
| 2019 Chevrolet Spark | $204 | $404 | $500 | $1,288 |
| 2018 Chevrolet Spark | $196 | $374 | $510 | $1,260 |
| 2017 Chevrolet Spark | $188 | $352 | $514 | $1,234 |
| 2015 Chevrolet Spark | $168 | $292 | $520 | $1,160 |
| 2014 Chevrolet Spark | $162 | $272 | $524 | $1,138 |
| 2013 Chevrolet Spark | $158 | $254 | $534 | $1,126 |
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 Find Cheaper Chevrolet Spark Insurance
Finding cheaper rates on insurance for a Chevrolet Spark consists of not taking risks behind the wheel, maintaining good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Make time to compare rates every couple of years by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a condensed summary of the material that was touched on in this article.
- Insureds who require higher liability limits will pay about $550 per year to raise from a 30/60 limit to 250/500 limits
- Teens pay the highest rates, with premiums being up to $425 each month for full coverage
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,510 more each year for Spark insurance
- Increasing comprehensive and collision deductibles can save around $400 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,096 |
| 20 | $3,000 |
| 30 | $1,324 |
| 40 | $1,288 |
| 50 | $1,182 |
| 60 | $1,160 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,558 |
| $250 | $1,432 |
| $500 | $1,288 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,288 |
| 50/100 | $1,388 |
| 100/300 | $1,513 |
| 250/500 | $1,838 |
| 100 CSL | $1,438 |
| 300 CSL | $1,713 |
| 500 CSL | $1,913 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,224 |
| 20 | $4,784 |
| 30 | $2,842 |
| 40 | $2,800 |
| 50 | $2,680 |
| 60 | $2,658 |
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 | $66 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $53 |
| Advance Quote | $61 |
| Online Quote | $89 |
| Total Discounts | $532 |
Discounts are estimated and may not be available from every company or in every state.
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