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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Average insurance rates for a Chevrolet Spark are $1,260 a year with full coverage. Comprehensive costs around $196, collision insurance costs $374, and liability coverage is estimated at $510. Buying just liability costs approximately $568 a year, and insurance for high-risk drivers costs around $2,740. Teens receive the highest rates at up to $5,016 a year.

Average premium for full coverage: $1,260

Rate estimates for individual coverage type:

Comprehensive $196
Collision $374
Liability $510

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all Spark models.

Price Range by Coverage and Risk

For the normal driver, prices range range from the low end price of $568 for just the minimum liability insurance to the much higher price of $2,740 for coverage for higher-risk drivers.

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

Price Range by Location

Living in a larger city has a large influence on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance rates.

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

These examples demonstrate why everyone should get quotes for a specific zip code, rather than 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 details average Chevrolet Spark insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $743
  • Choosing higher $1,000 deductibles can save about $128 annually
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,260
  • Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,512
  • Drivers with serious driving violations could pay at least $2,740
  • The cost that insures a teenage driver for full coverage can be $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

Auto insurance rates for a Chevrolet Spark can also vary considerably based on the model of your Spark, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,500 to $2,100 in extra premium per year, depending on your age. Chevrolet Spark insurance for high-risk drivers ranges around 42% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $5,000 a year. View Rates by Age

Where you live plays a big part in determining prices for Chevrolet Spark insurance rates. A good driver about age 40 could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $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

Choosing higher comprehensive and collision insurance deductibles can save as much as $380 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $459 extra every year. View Rates by Deductible or Liability Limit

Chevrolet Spark Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Chevrolet Spark $196 $374 $510 $1,260
2015 Chevrolet Spark $180 $316 $520 $1,196
2014 Chevrolet Spark $168 $292 $520 $1,160
2013 Chevrolet Spark $162 $272 $524 $1,138

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

Saving money on auto insurance takes not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare rates at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a summary of the primary concepts that were presented in the illustrations above.

  • You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
  • Drivers who have multiple accidents or major violations may pay on average $1,480 more every year for Spark insurance
  • Increasing deductibles can save approximately $375 each year
  • Teens are expensive to insure, with premiums as much as $418 per month if the policy includes full coverage

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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