Chevrolet Spark Insurance Rates

The average insurance rates for a Chevrolet Spark are $1,260 a year for full coverage. Comprehensive insurance costs around $196 each year, collision insurance costs $374, and liability coverage costs $510. Liability-only coverage costs as little as $568 a year, and high-risk coverage costs $2,740 or more. Teen drivers cost the most to insure at up to $5,016 a year.

Average premium for full coverage: $1,260

Policy rates for type of insurance:

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and Spark models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance rates.

The examples above show why all drivers should compare rates for a specific zip code and risk profile, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $743
• Drivers who choose higher $1,000 deductibles will pay about $128 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,260
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $252 each year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,740
• Policy cost for full coverage for a teenage driver can be $5,016 a year

View Chart as Image

Insurance rates for a Chevrolet Spark also range considerably based on your risk profile, the trim level of your Spark, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $5,000 a year. View Rates by Age

Your home state makes a big difference in Chevrolet Spark insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $380 a year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $459 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost around 42% to 132% more than average. View High Risk Driver Rates

How to Find the Best Chevrolet Spark Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates at least once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a brief recap of the primary concepts that were covered in the charts and tables above.

• Drivers can save up to $150 per year just by quoting online in advance
• Drivers who tend to receive serious violations may be required to pay an average of $1,480 more every year to buy Chevrolet Spark insurance
• Increasing comprehensive and collision deductibles can save around $375 each year
• Drivers age 20 and younger are charged the highest rates, costing up to $418 each month including comprehensive and collision insurance