Chevrolet Spark Insurance Rates

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UPDATED: May 16, 2024

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Estimated auto insurance rates for a Chevrolet Spark are $1,234 annually with full coverage. Comprehensive costs around $188, collision insurance costs $352, and liability coverage costs $514. A policy with only liability insurance costs as little as $572 a year, and a high-risk policy costs around $2,686. Teens pay the most at up to $4,944 a year.

Average premium for full coverage: $1,234

Premium estimates for type of coverage:

Comprehensive $188
Collision $352
Liability $514

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Spark trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Chevrolet Spark range from as cheap as $572 for the bare minimum liability coverage to a much higher rate of $2,686 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Your location has a large influence on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance rates.

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

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code 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 Information

The chart below details average Chevrolet Spark insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $730
  • Drivers who choose higher $1,000 deductibles will pay about $120 annually
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,234
  • Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,474
  • High-risk insureds with serious driving violations could pay at least $2,686
  • An auto insurance policy with full coverage for a teenage driver with full coverage can be $4,944 a year

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

Car insurance prices for a Chevrolet Spark also have a wide range based on the model of your Spark, your driving record, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost around 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $360 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $462 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Chevrolet Spark insurance rates. A 40-year-old driver could pay as low as $890 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,670 on average in Florida, Michigan, and New York.

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
Chevrolet Spark Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2022 Chevrolet Spark $216 $418 $486 $1,300
2021 Chevrolet Spark $204 $404 $500 $1,288
2020 Chevrolet Spark $196 $374 $510 $1,260
2019 Chevrolet Spark $188 $352 $514 $1,234
2018 Chevrolet Spark $180 $316 $520 $1,196
2017 Chevrolet Spark $168 $292 $520 $1,160
2015 Chevrolet Spark $158 $254 $534 $1,126
2014 Chevrolet Spark $148 $236 $534 $1,098
2013 Chevrolet Spark $144 $214 $540 $1,078

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 Cheaper Chevrolet Spark Insurance

Finding better rates on auto insurance not only requires having a decent driving record, but also having a good credit score, being claim-free, and consideration of higher deductibles. Invest time comparing rates at least once a year by requesting quotes from direct companies, and also from local exclusive and independent agents.

The following items are a condensed summary of the primary concepts that were covered in the charts and tables above.

  • You may be able to save up to $140 per year just by shopping early and online
  • Drivers with multiple at-fault accidents may pay on average $1,450 more every year than a driver with a clean driving record
  • Increasing policy deductibles could save up to $350 each year
  • 16 to 18-year-old drivers are the costliest to insure, possibly costing $412 per month if comprehensive and collision insurance is included

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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