Chevrolet Spark Insurance Rates

U.S. average insurance rates for a Chevrolet Spark are $1,234 a year for full coverage insurance. Comprehensive costs an estimated $188 each year, collision insurance costs $352, and liability coverage costs $514. Liability-only insurance costs as little as $572 a year, and high-risk driver insurance costs around $2,686. 16-year-old drivers pay the highest rates at up to $4,944 a year.

Average premium for full coverage: $1,234

Price estimates broken down by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Spark models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. More rural locations have a lower frequency of physical damage claims than congested cities. The graphic below illustrates how rural and urban location affects insurance prices.

The ranges above illustrate why all drivers should compare rates for a targeted area and risk profile, rather than using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $730
• Drivers who choose higher $1,000 deductibles will pay approximately $120 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,234
• Buying low deductibles for comprehensive and collision insurance will increase the cost to $1,474
• High-risk insureds with multiple tickets or accidents could pay up to $2,686
• The price for full coverage for a teenage driver can cost as much as $4,944 a year

View Chart as Image

Car insurance prices for a Chevrolet Spark are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $4,900 a year. View Rates by Age

The state you live in makes a big difference in Chevrolet Spark insurance rates. A 40-year-old driver could pay as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,670 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $360 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $462 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can cost around 42% to 135% more than the average rate. View High Risk Driver Rates

How to Find Cheaper Chevrolet Spark Insurance

Getting lower rates on auto insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and possibly higher deductibles. Set aside time to shop around at every policy renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a condensed summary of the data raised in the charts and tables above.

• Consumers who want additional liability coverage will pay around $570 annually to go from a low limit to 250/500 limits
• It is possible to save approximately $140 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $350 each year
• 16 to 18-year-old drivers have the highest car insurance prices, as much as $412 a month if full coverage is included