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 $1,234 a year for full coverage. Comprehensive costs approximately $188 a year, collision costs $352, and liability coverage costs around $514. Liability-only insurance costs as low as $572 a year, with high-risk driver insurance costing around $2,686. Teen drivers cost the most to insure at $4,944 a year or more.
Average premium for full coverage: $1,234
Policy rates by type of insurance:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Spark trim levels.
Price Range Variability
For the average 40-year-old driver, Chevrolet Spark insurance rates go from as low as $572 for your basic liability-only policy to a high of $2,686 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the difference location can make on auto insurance prices.
The examples above show why it is important to compare prices using their specific location and risk profile, 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.
More Rate Information
The chart below shows estimated Chevrolet Spark insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $730
- Using higher $1,000 deductibles will save $1,114 a year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,234
- Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,474
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,686 or more
- Policy cost for full coverage for a teenage driver can cost $4,944 or more
Auto insurance rates for a Chevrolet Spark also range considerably based on your risk profile, the trim level of your Spark, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age
Your home state has a huge impact on Chevrolet Spark insurance rates. A driver around age 40 might see rates as low as $820 a year in states like Iowa, Maine, and Idaho, or as much as $1,760 on average in New York, Louisiana, and Michigan.
| 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 could cut rates by as much as $360 a year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $462 extra every 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 anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Chevrolet Spark | $216 | $418 | $486 | $1,300 |
| 2021 Chevrolet Spark | $204 | $404 | $500 | $1,288 |
| 2020 Chevrolet Spark | $196 | $374 | $510 | $1,260 |
| 2019 Chevrolet Spark | $188 | $352 | $514 | $1,234 |
| 2018 Chevrolet Spark | $180 | $316 | $520 | $1,196 |
| 2017 Chevrolet Spark | $168 | $292 | $520 | $1,160 |
| 2015 Chevrolet Spark | $158 | $254 | $534 | $1,126 |
| 2014 Chevrolet Spark | $148 | $236 | $534 | $1,098 |
| 2013 Chevrolet Spark | $144 | $214 | $540 | $1,078 |
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 Low Cost Chevrolet Spark Insurance
Finding cheaper rates on auto insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Make time to compare rates once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a review of the data that was touched on in this article.
- Drivers can save around $140 per year simply by quoting early and online
- Consumers who purchase an increased level of liability coverage will pay about $570 each year to increase from a 30/60 limit to 250/500 limits
- Drivers age 16 to 20 have the highest car insurance rates, costing up to $412 each month if they have full coverage
- Drivers who have several accidents or serious violations may pay on average $1,450 more per year than a safer driver
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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