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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The average insurance rates for a Chevrolet Spark are $1,234 a year for full coverage. Comprehensive costs an estimated $188, collision insurance costs $352, and liability coverage costs around $514. Liability-only coverage costs as low as $572 a year, and high-risk coverage costs around $2,686. Teens cost the most to insure at up to $4,944 a year.

Average premium for full coverage: $1,234

Policy rates broken down by type of insurance:

Comprehensive $188
Collision $352
Liability $514

These estimates include $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Spark trim levels.

Price Range Variability

For a driver around age 40, Chevrolet Spark insurance rates range from the low end price of $572 for just liability coverage to a much higher rate of $2,686 for a high-risk insurance policy.

Liability Only $572
Full Coverage $1,234
High Risk $2,686

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $926
Small Cities $1,296
Large Cities $1,666

The examples above show why anyone shopping for car insurance should compare prices for a targeted area, 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.

Detailed Rate Analysis

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

  • The cheapest rate after discounts is $730
  • Using higher $1,000 deductibles will save approximately $120 a year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,234
  • Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,474
  • Higher-risk drivers with serious driving violations could pay up to $2,686
  • Policy cost that insures a teenage driver with full coverage can cost as much as $4,944 or more

View Chart as Image

Chevrolet Spark insurance cost comparison chart
Column chart showing Chevrolet Spark insurance rates range from $730 to $4,944 for full coverage

Insurance rates for a Chevrolet Spark also range considerably based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can be around 42% to 135% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

Your home state has a huge impact on Chevrolet Spark insurance rates. A driver around age 40 might see rates as low as $820 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,760 on average in New York, Louisiana, and Michigan.

Chevrolet Spark Insurance Rates by State
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%

View Chart as Image

Chevrolet Spark insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $360 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $462 more each 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 $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 Find Cheap Chevrolet Spark Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates at least every other year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a brief summary of the car insurance concepts covered above.

  • Drivers that tend to have accidents or serious violations may pay on average $1,450 more annually for Spark insurance
  • Drivers can save approximately $140 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $350 each year
  • Consumers who want higher liability limits will pay approximately $570 each year to increase from a 30/60 limit to the 250/500 level

Rates by Driver Age

Chevrolet Spark Insurance 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

Chevrolet Spark Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,474
$250 $1,364
$500 $1,234
$1,000 $1,114

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Spark Insurance Rates with Different Liability Limits
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

Chevrolet Spark Insurance 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.

SR-22 Surcharge $172

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
Rate after discounts $730

Discounts are estimated and may not be available from every company or in every state.

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