Chevrolet Spark Insurance Rates
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UPDATED: Jun 6, 2023
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U.S. average insurance rates for a Chevrolet Spark are $1,234 a year including full coverage. Comprehensive insurance costs on average $188, collision costs $352, and liability coverage is $514. Liability-only coverage costs around $572 a year, with high-risk coverage costing $2,686 or more. Teen drivers pay the highest rates at $4,944 a year or more.
Average premium for full coverage: $1,234
Price estimates by individual coverage:
Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different Spark trim levels.
Price Range from Low to High
For a driver in their 40's, Chevrolet Spark insurance prices go from the low end price of $572 for a discount liability-only rate to a much higher rate of $2,686 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than larger metro areas.
The price range example below illustrates how location helps determine car insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than using price averages.
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 estimated Chevrolet Spark insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $730
- Raising to $1,000 deductibles will save around $120 every year
- The estimated price for the average middle-age driver with $500 deductibles is $1,234
- Choosing more expensive low deductibles will cost an additional $240 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,686 or more
- The price that insures a teenage driver with full coverage may cost $4,944
Auto insurance prices for a Chevrolet Spark are also quite variable based on the model year and trim level, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 135% more than average. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,900 a year. View Rates by Age
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 $950 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,760 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles can reduce prices by up to $360 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $462 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Chevrolet Spark | $188 | $352 | $514 | $1,234 |
| 2015 Chevrolet Spark | $168 | $292 | $520 | $1,160 |
| 2014 Chevrolet Spark | $162 | $272 | $524 | $1,138 |
| 2013 Chevrolet Spark | $158 | $254 | $534 | $1,126 |
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
Getting lower rates on auto insurance consists of being a safe and courteous driver, maintaining a good credit score, being claim-free, and taking advantage of discounts. Shop around at least every other year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
Below is a brief review of the car insurance concepts covered in the charts and tables above.
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,450 more each year for auto insurance
- You may be able to save as much as $140 per year simply by shopping early and online
- Increasing physical damage deductibles can save approximately $350 each year
- Consumers who require higher levels of liability will pay about $570 per year to raise from a low limit to the 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,474 |
| $250 | $1,364 |
| $500 | $1,234 |
| $1,000 | $1,114 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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