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: Jun 6, 2023

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Estimated insurance prices for a Chevrolet Spark are $1,234 every 12 months including full coverage. Comprehensive insurance costs on average $188 a year, collision costs $352, and liability costs $514. A policy with only liability insurance costs as little as $572 a year, with a high-risk policy costing $2,686 or more. Teens pay the most at $4,944 a year or more.

Average premium for full coverage: $1,234

Premium estimates by type of coverage:

Comprehensive $188
Collision $352
Liability $514

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Spark trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Chevrolet Spark go from the cheapest price of $572 for just the minimum liability insurance to a high of $2,686 for a driver that may need high-risk insurance.

Liability Only $572
Full Coverage $1,234
High Risk $2,686

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how location impacts car insurance rates.

Rural Areas $926
Small Cities $1,296
Large Cities $1,666

These rate differences highlight why it is important to compare rates based on a specific location 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 Rate Analysis

The chart below breaks down estimated Chevrolet Spark insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $730
  • Drivers who choose higher $1,000 deductibles will pay around $1,114 every year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,234
  • Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $240 every year
  • Higher-risk drivers with serious driving violations could pay upwards of $2,686 or more
  • An auto insurance policy to insure a teen driver may cost $4,944 a year

View Chart as Image

Chevrolet Spark insurance cost comparison chart
Column chart showing full coverage Chevrolet Spark insurance prices range from $730 to $4,944

Car insurance prices for a Chevrolet Spark also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Spark.

Choosing higher comprehensive and collision insurance deductibles could save up to $360 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $462 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 135% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Chevrolet Spark insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,760 on average in Michigan, New York, and Louisiana.

Chevrolet Spark Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,116 -$118 -9.6%
Alaska $946 -$288 -23.3%
Arizona $1,026 -$208 -16.9%
Arkansas $1,234 -$0 0.0%
California $1,406 $172 13.9%
Colorado $1,180 -$54 -4.4%
Connecticut $1,268 $34 2.8%
Delaware $1,400 $166 13.5%
Florida $1,548 $314 25.4%
Georgia $1,142 -$92 -7.5%
Hawaii $888 -$346 -28.0%
Idaho $838 -$396 -32.1%
Illinois $920 -$314 -25.4%
Indiana $932 -$302 -24.5%
Iowa $834 -$400 -32.4%
Kansas $1,172 -$62 -5.0%
Kentucky $1,684 $450 36.5%
Louisiana $1,828 $594 48.1%
Maine $764 -$470 -38.1%
Maryland $1,020 -$214 -17.3%
Massachusetts $986 -$248 -20.1%
Michigan $2,144 $910 73.7%
Minnesota $1,034 -$200 -16.2%
Mississippi $1,480 $246 19.9%
Missouri $1,096 -$138 -11.2%
Montana $1,328 $94 7.6%
Nebraska $974 -$260 -21.1%
Nevada $1,484 $250 20.3%
New Hampshire $890 -$344 -27.9%
New Jersey $1,382 $148 12.0%
New Mexico $1,092 -$142 -11.5%
New York $1,302 $68 5.5%
North Carolina $712 -$522 -42.3%
North Dakota $1,012 -$222 -18.0%
Ohio $854 -$380 -30.8%
Oklahoma $1,268 $34 2.8%
Oregon $1,132 -$102 -8.3%
Pennsylvania $1,176 -$58 -4.7%
Rhode Island $1,648 $414 33.5%
South Carolina $1,120 -$114 -9.2%
South Dakota $1,042 -$192 -15.6%
Tennessee $1,078 -$156 -12.6%
Texas $1,488 $254 20.6%
Utah $914 -$320 -25.9%
Vermont $846 -$388 -31.4%
Virginia $738 -$496 -40.2%
Washington $954 -$280 -22.7%
West Virginia $1,132 -$102 -8.3%
Wisconsin $854 -$380 -30.8%
Wyoming $1,100 -$134 -10.9%

View Chart as Image

Chevrolet Spark insurance rates by U.S. city

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes and see which company has the best price. Every company calculates prices differently, so rate quotes will be substantially different.

Chevrolet Spark Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 More Affordable Chevrolet Spark Insurance

Finding better rates on car insurance not only requires being a good driver, but also maintaining a good credit score, refrain from filing small claims, and maximizing policy discounts. Spend time shopping around once a year by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The following list is a summary of the data that was touched on above.

  • You may be able to save as much as $140 per year simply by quoting early and online
  • Policyholders who require an increased level of liability coverage will pay approximately $570 per year to go from 30/60 bodily injury limits to a 250/500 level
  • Drivers age 16 to 20 are expensive to insure, with the cost nearing $412 per month if the policy includes full coverage
  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,450 more each year than a safer driver

Rates by Driver Age

Chevrolet Spark Insurance Rates by Driver Age
Driver Age Premium
16 $4,944
20 $2,870
30 $1,266
40 $1,234
50 $1,136
60 $1,114

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Spark Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,474
$250 $1,364
$500 $1,234
$1,000 $1,114

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Spark Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,234
50/100 $1,337
100/300 $1,465
250/500 $1,799
100 CSL $1,388
300 CSL $1,671
500 CSL $1,877

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Spark Insurance Rates for High Risk Drivers
Age Premium
16 $6,996
20 $4,582
30 $2,716
40 $2,686
50 $2,568
60 $2,546

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 $172

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $68
Homeowner $21
5-yr Accident Free $82
5-yr Claim Free $79
Paid in Full/EFT $49
Advance Quote $58
Online Quote $84
Total Discounts $504
Rate after discounts $730

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

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