Chevrolet Spark Insurance Rates

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UPDATED: May 16, 2024

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The average insurance rates for a Chevrolet Spark are $1,260 a year including full coverage. Comprehensive costs on average $196, collision insurance costs $374, and liability is $510. Buying just liability costs around $568 a year, and insurance for high-risk drivers costs around $2,740. Teenage drivers cost the most to insure at up to $5,016 a year.

Average premium for full coverage: $1,260

Policy rates by type of insurance:

Comprehensive $196
Collision $374
Liability $510

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Spark models.

Price Range Variability

Using a middle-aged driver as an example, Chevrolet Spark insurance rates range from as low as $568 for basic liability insurance to the much higher price of $2,740 for a policy for a high-risk driver.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates how where you live affects car insurance rates.

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

The examples above highlight why everyone should compare rates quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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.

Rate Comparisons

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

  • The best discount rate is $743
  • Raising to $1,000 deductibles will save around $128 every year
  • The average rate for a good driver age 40 with $500 deductibles is $1,260
  • Using pricier low deductibles will increase the cost to $1,512
  • Drivers who are prone to accidents and violations could pay upwards of $2,740
  • Policy cost for full coverage for a 16-year-old driver for full coverage may cost $5,016

View Chart as Image

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

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

A more mature driver with a clean driving record and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $5,000 a year. View Rates by Age

Your home state also has a big influence on Chevrolet Spark insurance prices. A middle-age driver might find rates as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,800 on average in Michigan, New York, and Louisiana.

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

Using high physical damage deductibles can reduce rates by up to $380 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $459 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Chevrolet Spark insurance for high-risk drivers is expensive and can cost from 42% to 132% more than a normal policy. View High Risk Driver Rates

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 Find Affordable Chevrolet Spark Insurance

Finding cheaper rates on insurance for a Chevrolet Spark consists of being a good driver, maintaining good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Take the time to comparison shop every year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a brief review of the coverage data touched on in the above illustrations.

  • You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save around $375 each year
  • Drivers age 16 to 20 pay the highest rates, with premiums being up to $418 each month for full coverage
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,480 more each year than a safer driver

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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