Chevrolet Spark Insurance Rates
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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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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
|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
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$85|
|5-yr Claim Free||$81|
|Paid in Full/EFT||$51|
Discounts are estimated and may not be available from every company or in every state.