Chevrolet Spark Insurance Rates

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UPDATED: May 16, 2024

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U.S. average auto insurance rates for a Chevrolet Spark are $1,260 annually including full coverage. Comprehensive costs an estimated $196, collision costs $374, and liability coverage is $510. A policy with just liability insurance costs around $568 a year, with coverage for high-risk drivers costing around $2,740. Teens pay the highest rates at $5,016 a year or more.

Average premium for full coverage: $1,260

Price estimates broken down by individual coverage:

Comprehensive $196
Collision $374
Liability $510

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for different Spark trim levels.

Price Range from Low to High

For the average 40-year-old driver, Chevrolet Spark insurance prices go from as cheap as $568 for minimum levels of liability insurance to a much higher rate of $2,740 for a driver who has had serious violations or accidents.

Liability Only $568
Full Coverage $1,260
High Risk $2,740

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on insurance prices.

Rural Areas $945
Small Cities $1,323
Large Cities $1,701

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, 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.

Additional Rate Details

The chart below breaks down estimated Chevrolet Spark insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $743
  • Raising to $1,000 deductibles will save approximately $128 every year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,260
  • Selecting more expensive low deductibles will cost $1,512
  • Unlucky drivers with serious driving violations could pay up to $2,740 or more
  • The price with full coverage for a teenage driver with full coverage can cost as much as $5,016

View Chart as Image

Chevrolet Spark insurance cost comparison chart
Column chart showing full coverage Chevrolet Spark insurance rates range from $743 to $5,016

Insurance prices for a Chevrolet Spark are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $380 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $459 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Chevrolet Spark insurance rates. A middle-age driver might find prices as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,800 on average in Louisiana, New York, and Michigan.

Chevrolet Spark Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,138 -$122 -9.7%
Alaska $966 -$294 -23.3%
Arizona $1,046 -$214 -17.0%
Arkansas $1,260 -$0 0.0%
California $1,438 $178 14.1%
Colorado $1,202 -$58 -4.6%
Connecticut $1,296 $36 2.9%
Delaware $1,426 $166 13.2%
Florida $1,578 $318 25.2%
Georgia $1,164 -$96 -7.6%
Hawaii $904 -$356 -28.3%
Idaho $854 -$406 -32.2%
Illinois $938 -$322 -25.6%
Indiana $950 -$310 -24.6%
Iowa $850 -$410 -32.5%
Kansas $1,196 -$64 -5.1%
Kentucky $1,720 $460 36.5%
Louisiana $1,864 $604 47.9%
Maine $780 -$480 -38.1%
Maryland $1,040 -$220 -17.5%
Massachusetts $1,006 -$254 -20.2%
Michigan $2,186 $926 73.5%
Minnesota $1,054 -$206 -16.3%
Mississippi $1,510 $250 19.8%
Missouri $1,116 -$144 -11.4%
Montana $1,352 $92 7.3%
Nebraska $994 -$266 -21.1%
Nevada $1,514 $254 20.2%
New Hampshire $910 -$350 -27.8%
New Jersey $1,410 $150 11.9%
New Mexico $1,116 -$144 -11.4%
New York $1,326 $66 5.2%
North Carolina $726 -$534 -42.4%
North Dakota $1,032 -$228 -18.1%
Ohio $870 -$390 -31.0%
Oklahoma $1,294 $34 2.7%
Oregon $1,156 -$104 -8.3%
Pennsylvania $1,202 -$58 -4.6%
Rhode Island $1,682 $422 33.5%
South Carolina $1,144 -$116 -9.2%
South Dakota $1,064 -$196 -15.6%
Tennessee $1,102 -$158 -12.5%
Texas $1,518 $258 20.5%
Utah $934 -$326 -25.9%
Vermont $862 -$398 -31.6%
Virginia $754 -$506 -40.2%
Washington $974 -$286 -22.7%
West Virginia $1,156 -$104 -8.3%
Wisconsin $872 -$388 -30.8%
Wyoming $1,122 -$138 -11.0%

View Chart as Image

Chevrolet Spark insurance rates by U.S. city

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Every auto insurance company calculates prices differently, so the prices may be quite different between companies.

Chevrolet Spark Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2022 Chevrolet Spark $224 $436 $470 $1,310
2021 Chevrolet Spark $216 $418 $486 $1,300
2020 Chevrolet Spark $204 $404 $500 $1,288
2019 Chevrolet Spark $196 $374 $510 $1,260
2018 Chevrolet Spark $188 $352 $514 $1,234
2017 Chevrolet Spark $180 $316 $520 $1,196
2015 Chevrolet Spark $162 $272 $524 $1,138
2014 Chevrolet Spark $158 $254 $534 $1,126
2013 Chevrolet Spark $148 $236 $534 $1,098

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 Affordable Chevrolet Spark Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, having a good credit history, being claim-free, and taking advantage of discounts. Make time to compare rates every other policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a brief review of the ideas that were touched on in this article.

  • Teen drivers are charged the highest prices, possibly costing $418 a month including comprehensive and collision insurance
  • Drivers with DUI or reckless driving convictions could be forced to pay on average $1,480 more annually to insure their Spark
  • Increasing physical damage deductibles could save up to $375 each year
  • You may be able to save approximately $150 per year simply by shopping early and online

Rates by Driver Age

Chevrolet Spark Insurance Rates by Driver Age
Driver Age Premium
16 $5,016
20 $2,934
30 $1,294
40 $1,260
50 $1,158
60 $1,136

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Spark Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,512
$250 $1,396
$500 $1,260
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Spark Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,260
50/100 $1,362
100/300 $1,490
250/500 $1,821
100 CSL $1,413
300 CSL $1,694
500 CSL $1,898

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Spark Insurance Rates for High Risk Drivers
Age Premium
16 $7,104
20 $4,676
30 $2,774
40 $2,740
50 $2,622
60 $2,598

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 $176

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $69
Homeowner $21
5-yr Accident Free $85
5-yr Claim Free $81
Paid in Full/EFT $51
Advance Quote $59
Online Quote $86
Total Discounts $517
Rate after discounts $743

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

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