Chevrolet Spark Insurance Rates

The average insurance rates for a Chevrolet Spark are $1,234 a year for full coverage. Comprehensive insurance costs on average $188 a year, collision insurance costs $352, and liability coverage is $514. Liability-only insurance costs around $572 a year, and high-risk driver insurance costs $2,686 or more. 16-year-old drivers cost the most to insure at up to $4,944 a year.

Average premium for full coverage: $1,234

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities. The diagram below illustrates the difference location can make on car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location, rather than using rate averages.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows average Chevrolet Spark insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $730
• Raising to $1,000 deductibles will save around $1,114 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,234
• Buying low $100 deductibles will cost an additional $240 each year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,686
• Policy cost that insures a teenage driver may cost $4,944

View Chart as Image

Auto insurance rates for a Chevrolet Spark also range considerably based on the trim level of your Spark, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 135% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $4,900 a year. View Rates by Age

Your home state also has a big influence on Chevrolet Spark insurance rates. A middle-age driver might find rates as low as $820 a year in states like Idaho, Maine, and Iowa, or at least $1,760 on average in Michigan, Louisiana, and New York.

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Opting for high physical damage deductibles can reduce rates by up to $360 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $462 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheap Chevrolet Spark Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop at least once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The points below are a brief summary of the primary concepts that were touched on in this article.

• Drivers can save as much as $140 per year just by quoting early and online
• Drivers that tend to have accidents or serious violations may pay on average $1,450 more each year to insure a Chevrolet Spark
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers under the age of 20 are charged the highest rates, costing up to $412 each month if the policy includes full coverage