Chevrolet Spark Insurance Rates
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UPDATED: Jun 6, 2023
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The average auto insurance rates for a Chevrolet Spark are $1,234 annually for full coverage. Comprehensive insurance costs around $188, collision insurance costs $352, and liability insurance costs $514. A liability-only policy costs as little as $572 a year, and high-risk insurance costs $2,686 or more. Teen drivers cost the most to insure at up to $4,944 a year.
Average premium for full coverage: $1,234
Policy rates for type of insurance:
Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Spark models.
Price Range Variability
For an average driver, Chevrolet Spark insurance rates range from as cheap as $572 for just the minimum liability insurance to the much higher price of $2,686 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas. The example below illustrates the effect of geographic area on auto insurance rates.
The examples above show why everyone should compare rates for a specific zip code and their own personal driving habits, rather than relying on price averages.
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 shows average Chevrolet Spark insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $730
- Drivers who choose higher $1,000 deductibles will pay about $120 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,234
- Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $240 a year
- High risk drivers with multiple violations and an at-fault accident could pay at least $2,686
- Policy cost with full coverage for a teen driver for full coverage can be $4,944 a year
Car insurance rates for a Chevrolet Spark also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,500 to $2,100 extra every year, depending on your age. Chevrolet Spark insurance for high-risk drivers can cost anywhere from 42% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $360 each year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $462 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Chevrolet Spark insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or as much as $1,760 on average in Michigan, Louisiana, and New York.
| 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% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Chevrolet Spark | $188 | $352 | $514 | $1,234 |
| 2015 Chevrolet Spark | $168 | $292 | $520 | $1,160 |
| 2014 Chevrolet Spark | $162 | $272 | $524 | $1,138 |
| 2013 Chevrolet Spark | $158 | $254 | $534 | $1,126 |
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 Buy More Affordable Chevrolet Spark Insurance
Finding cheaper rates on Chevrolet Spark insurance not only requires being a safe and courteous driver, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a summary of the information covered in the above illustrations.
- Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
- Teenage drivers are the costliest to insure, costing up to $412 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save up to $350 each year
- High-risk drivers who have multiple accidents or major violations pay an average of $1,450 more every year for auto insurance
- Drivers who may need higher levels of liability will pay about $570 each year to go from a 30/60 limit to higher 250/500 limits
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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