Chevrolet Spark Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 16, 2024
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Average insurance rates for a Chevrolet Spark are $1,234 a year with full coverage. Comprehensive costs an estimated $188, collision costs $352, and liability insurance is $514. A policy with just liability insurance costs around $572 a year, with coverage for high-risk drivers costing around $2,686. Teenage drivers receive the highest rates at $4,944 a year or more.
Average premium for full coverage: $1,234
Rate estimates broken down by individual coverage type:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Spark trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $572 for just liability coverage to a much higher rate of $2,686 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities.
The price range example below illustrates how your location can change insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on average rates.
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.
Detailed Rate Analysis
The chart below details estimated Chevrolet Spark insurance rates for other coverage scenarios.
- The best discount rate is $730
- Raising to $1,000 deductibles will save approximately $120 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,234
- Using more expensive low deductibles will increase the cost to $1,474
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,686 or more
- The cost for full coverage for a teen driver with full coverage can cost as much as $4,944
Insurance rates for a Chevrolet Spark can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age
Where you live also has a big influence on Chevrolet Spark insurance rates. A middle-age driver might find rates as low as $890 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,670 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles can reduce rates by up to $360 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $462 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Chevrolet Spark | $216 | $418 | $486 | $1,300 |
| 2021 Chevrolet Spark | $204 | $404 | $500 | $1,288 |
| 2020 Chevrolet Spark | $196 | $374 | $510 | $1,260 |
| 2019 Chevrolet Spark | $188 | $352 | $514 | $1,234 |
| 2018 Chevrolet Spark | $180 | $316 | $520 | $1,196 |
| 2017 Chevrolet Spark | $168 | $292 | $520 | $1,160 |
| 2015 Chevrolet Spark | $158 | $254 | $534 | $1,126 |
| 2014 Chevrolet Spark | $148 | $236 | $534 | $1,098 |
| 2013 Chevrolet Spark | $144 | $214 | $540 | $1,078 |
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 the Cheapest Chevrolet Spark Insurance
Saving money on Chevrolet Spark insurance consists of avoiding accidents and claims, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every other policy renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The points below are a recap of the ideas that were illustrated above.
- Drivers under the age of 20 are expensive to insure, with premiums as much as $412 per month including comprehensive and collision insurance
- High-risk drivers that have major violations or accidents may pay on average $1,450 more annually to insure a Chevrolet Spark
- Increasing deductibles can save around $350 each year
- You may be able to save approximately $140 per year simply by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,474 |
| $250 | $1,364 |
| $500 | $1,234 |
| $1,000 | $1,114 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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