Chevrolet Spark Insurance Rates

The average insurance rates for a Chevrolet Spark are $1,260 a year with full coverage. Comprehensive insurance costs an estimated $196, collision insurance costs $374, and liability is estimated at $510. Liability-only insurance costs approximately $568 a year, and high-risk driver insurance costs $2,740 or more. Teen drivers cost the most to insure at up to $5,016 a year.

Average premium for full coverage: $1,260

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Spark trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how location impacts insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of using price averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below details average Chevrolet Spark insurance rates for other coverage scenarios.

• The lowest rate with discounts is $743
• Choosing higher $1,000 deductibles can save approximately $128 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,260
• Choosing more expensive low deductibles for comp and collision coverage will cost an extra $252 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,740
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $5,016 each year

View Chart as Image

Auto insurance rates for a Chevrolet Spark also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $5,000 a year. View Rates by Age

Your home state 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 Utah, Ohio, and New Hampshire, or as much as $1,700 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $380 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $459 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance ranges as much as 42% to 132% more than average. View High Risk Driver Rates

How to Find the Best Cheap Chevrolet Spark Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, having good credit, not filing small claims, and consideration of higher deductibles. Spend time shopping around at every policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a quick review of the data touched on above.

• Policyholders who want higher levels of liability will pay about $560 every year to raise limits from a 30/60 limit to 250/500 limits
• You may be able to save approximately $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $375 each year
• Teenage drivers are the costliest to insure, as much as $418 each month if they have full coverage