Chevrolet Spark Insurance Rates

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UPDATED: May 16, 2024

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Estimated insurance rates for a Chevrolet Spark are $1,260 a year including full coverage. Comprehensive insurance costs around $196, collision insurance costs $374, and liability insurance costs around $510. Liability-only coverage costs as low as $568 a year, and high-risk coverage costs $2,740 or more. Teens pay the most at up to $5,016 a year.

Average premium for full coverage: $1,260

Premium estimates for type of coverage:

Comprehensive $196
Collision $374
Liability $510

Full coverage includes $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Spark models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Chevrolet Spark range from as low as $568 for basic liability insurance to the much higher price of $2,740 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on auto insurance rates.

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

These rate differences highlight why everyone should compare prices for a specific zip code and risk profile, rather than relying on 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.

Rate Comparisons

The chart below breaks down average Chevrolet Spark insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $743
  • Using higher $1,000 deductibles will save about $128 every year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,260
  • Selecting pricier low deductibles for physical damage coverage will cost an extra $252 a year
  • Drivers with serious driving violations could pay at least $2,740
  • An auto insurance policy for full coverage for a teen driver for full coverage can be $5,016 or more

View Chart as Image

Chevrolet Spark insurance cost comparison chart
Column chart showing Chevrolet Spark insurance prices range from $743 to $5,016 for full coverage

Insurance prices for a Chevrolet Spark also have a wide range based on your driving characteristics, the model of your Spark, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on Chevrolet Spark insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,800 on average in Michigan, New York, and Louisiana.

Chevrolet Spark Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,138 -$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

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $380 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $459 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 extra annually, depending on your age. Chevrolet Spark insurance for high-risk drivers can be anywhere from 42% to 132% more than the average policy. View High Risk Driver Rates

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 Find More Affordable Chevrolet Spark Insurance

Finding better rates on Chevrolet Spark insurance requires not taking risks behind the wheel, maintaining good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a summary of the data that was covered in the above illustrations.

  • You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
  • Drivers who may need higher liability limits will pay approximately $560 per year to increase from 30/60 bodily injury limits to 250/500 limits
  • Teens pay higher prices, with the cost nearing $418 per month for full coverage
  • High-risk drivers who have multiple accidents or major violations pay on average $1,480 more every year for Spark 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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