Chevrolet Spark Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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:
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.
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.
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
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.
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% |
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
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
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.
Compare Rates and Save
Find companies with the cheapest rates in your area