Chevrolet Spark Insurance Rates

The average insurance prices for a Chevrolet Spark are $1,260 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $196 a year, collision insurance costs $374, and liability coverage is $510. A liability-only policy costs around $568 a year, and high-risk insurance costs $2,740 or more. Teens cost the most to insure at up to $5,016 a year.

Average premium for full coverage: $1,260

Policy rates broken down by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 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 the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on insurance prices.

The examples above illustrate why it is important to compare rates quotes for a targeted area and their own driving history, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $743
• Raising to $1,000 deductibles will save approximately $1,132 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,260
• Selecting low $100 deductibles costs an extra $252 each year
• Unlucky drivers with serious driving violations could pay up to $2,740
• Policy cost to insure a teenage driver can cost as much as $5,016

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Car insurance rates for a Chevrolet Spark also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $380 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 132% more than the average policy. View High Risk Driver Rates

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 North Carolina, Wisconsin, and Vermont, or have to pay at least $1,700 on average in Florida, New York, and Michigan.

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How to Shop for Cheap Chevrolet Spark Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, maintaining a good credit score, being claim-free, and possibly higher deductibles. Make time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a brief summary of the data touched on in this article.

• Consumers who want higher liability limits will pay approximately $560 annually to raise from a 30/60 limit to a 250/500 level
• It is possible to save approximately $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• Teenagers have the highest car insurance rates, possibly costing $418 each month if the policy includes full coverage