Chevrolet Spark Insurance Rates

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UPDATED: May 16, 2024

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U.S. average auto insurance rates for a Chevrolet Spark are $1,260 annually with full coverage. Comprehensive costs on average $196 a year, collision insurance costs $374, and liability is estimated at $510. A policy with just liability insurance costs approximately $568 a year, and coverage for high-risk drivers costs around $2,740. Teen drivers pay the highest rates at up to $5,016 a year.

Average premium for full coverage: $1,260

Price estimates by individual coverage:

Comprehensive $196
Collision $374
Liability $510

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Spark trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Chevrolet Spark insurance prices range from as cheap as $568 for basic liability insurance to a high of $2,740 for coverage for higher-risk drivers.

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

Geographic Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas have fewer collision claims than larger metro areas. The diagram below illustrates how where you live affects car insurance rates.

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

The ranges above demonstrate why it is important to get 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.

Rate Comparisons

The chart below details average Chevrolet Spark insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $743
  • Choosing higher $1,000 deductibles can save around $1,132 annually
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,260
  • Choosing low $100 deductibles for comp and collision coverage will cost $1,512
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,740
  • The price with full coverage for a 16-year-old driver may cost $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 prices for a Chevrolet Spark are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy ranges from 42% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $380 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $459 more per year. View Rates by Deductible or Liability Limit

The state you live in 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 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
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 Buy Low Cost Chevrolet Spark Insurance

Getting lower rates on insurance for a Chevrolet Spark takes being safe and accident-free, having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to comparison shop at least once a year by getting price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a review of the primary concepts that were touched on in the above illustrations.

  • You may be able to save as much as $150 per year just by quoting early and online
  • Drivers considered higher risk who have several accidents or serious violations pay an average of $1,480 more each year than a low-risk driver
  • Increasing physical damage deductibles could save up to $375 each year
  • Youthful drivers pay the highest prices, costing up to $418 a month including comprehensive and collision insurance

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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