Chevrolet Spark Insurance Rates

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UPDATED: May 16, 2024

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Estimated insurance rates for a Chevrolet Spark are $1,260 a year including full coverage. Comprehensive insurance costs an estimated $196, collision insurance costs $374, and liability costs $510. A policy with only liability insurance costs as little as $568 a year, and a high-risk policy costs $2,740 or more. Teens pay the most at up to $5,016 a year.

Average premium for full coverage: $1,260

Premium estimates broken down by type of coverage:

Comprehensive $196
Collision $374
Liability $510

Includes $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for different Spark trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Chevrolet Spark range from as low as $568 for a discount liability-only rate to a much higher rate of $2,740 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on insurance prices.

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

These rate differences highlight why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of 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.

Rates by State, City, and Model

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

  • The cheapest rate after discounts is $743
  • Drivers who choose higher $1,000 deductibles will pay approximately $128 every year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,260
  • Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $252 every year
  • Higher-risk drivers with serious driving violations could pay up to $2,740
  • An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $5,016 a year

View Chart as Image

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

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

An older driver with no driving violations and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $5,000 a year. View Rates by Age

Where you choose to live makes a big difference in Chevrolet Spark insurance prices. A 40-year-old driver could pay 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

Choosing higher comprehensive and collision insurance deductibles could save up to $380 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost as much as 42% to 132% more than the average 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 the Cheapest Chevrolet Spark Insurance

Finding better rates on car insurance not only requires being a safe and courteous driver, but also having above-average credit, refrain from filing small claims, and possibly higher deductibles. Take the time to compare rates once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a recap of the data that was covered in the above illustrations.

  • You may be able to save approximately $150 per year just by shopping early and online
  • Policyholders who want higher levels of liability will pay approximately $560 per year to go from 30/60 bodily injury limits to 250/500 limits
  • Teenage drivers have the highest car insurance prices, with the cost nearing $418 per month if full coverage is included
  • Higher risk drivers that have major violations or accidents may pay on average $1,480 more annually for auto insurance

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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