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 16, 2024

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Average insurance prices for a Chevrolet Spark are $1,288 every 12 months including full coverage. Comprehensive costs around $204, collision costs $404, and liability costs $500. Liability-only coverage costs as little as $560 a year, with high-risk coverage costing around $2,800. Teen drivers receive the highest rates at $5,096 a year or more.

Average premium for full coverage: $1,288

Rate estimates for individual coverage type:

Comprehensive $204
Collision $404
Liability $500

Rates are based on $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Spark models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the cheapest price of $560 for basic liability insurance to the much higher price of $2,800 for a policy for a high-risk driver.

Liability Only $560
Full Coverage $1,288
High Risk $2,800

Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than larger metro areas.

The example below illustrates how your location can change auto insurance rates.

Rural Areas $966
Small Cities $1,352
Large Cities $1,739

These examples highlight why everyone should compare rates for a specific zip code and their own driving history, instead of using 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 additional coverage choices and driver risks.

  • The lowest rate with discounts is $756
  • Drivers who choose higher $1,000 deductibles will pay about $136 every year
  • The average price for a 40-year-old driver using $500 deductibles is $1,288
  • Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,558
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,800 or more
  • The cost to insure a teen driver for full coverage can be $5,096 a year

View Chart as Image

Chevrolet Spark insurance cost comparison chart
Column chart showing full coverage Chevrolet Spark insurance rates range from $756 to $5,096

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

Choosing high deductibles could save up to $410 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $450 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $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 at least $1,500 to $2,200 extra per year, depending on your age. Chevrolet Spark insurance for high-risk drivers can cost as much as 43% to 129% more than average. View High Risk Driver Rates

Where you live makes a big difference in Chevrolet Spark insurance prices. A 40-year-old driver could pay 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.

Chevrolet Spark Insurance Rates by State
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%

View Chart as Image

Chevrolet Spark insurance rates by U.S. city

With so much variability in rates, the best way to figure out your exact price is to regularly compare rates and see which company has the best rate. Every company uses a different rate calculation, so rate quotes can be significantly different.

Chevrolet Spark Insurance Rates by Model Year
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 Shop for the Best Cheap Chevrolet Spark Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around every year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a quick review of the coverage data illustrated above.

  • You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles could save as much as $400 each year
  • Teenage drivers are the costliest to insure, as much as $425 per month if the policy includes full coverage
  • Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,510 more every year for auto insurance

Rates by Driver Age

Chevrolet Spark Insurance 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

Chevrolet Spark Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,558
$250 $1,432
$500 $1,288
$1,000 $1,152

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Spark Insurance Rates with Different Liability Limits
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

Chevrolet Spark Insurance 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.

SR-22 Surcharge $181

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
Rate after discounts $756

Discounts are estimated and may not be available from every company or in every state.

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