Chevrolet Spark Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 16, 2024
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U.S. average auto insurance rates for a Chevrolet Spark are $1,260 annually for full coverage. Comprehensive costs around $196 a year, collision insurance costs $374, and liability insurance costs $510. Buying just liability costs as little as $568 a year, and insurance for high-risk drivers costs around $2,740. Teens pay the highest rates at up to $5,016 a year.
Average premium for full coverage: $1,260
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Spark trim levels.
Price Range from Low to High
For a driver around age 40, Chevrolet Spark insurance prices range from as cheap as $568 for minimum levels of liability insurance to a high of $2,740 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a significant impact on auto insurance rates. Areas with sparse population have fewer accident claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above show why it is important to compare rates for a specific zip code and their own personal driving habits, rather than relying on 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.
Additional Rate Details
The chart below shows average Chevrolet Spark insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $743
- Drivers who choose higher $1,000 deductibles will pay about $1,132 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,260
- Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,512
- High risk drivers with serious driving violations could pay at least $2,740
- The price with full coverage for a teen driver can be $5,016 a year
Insurance prices for a Chevrolet Spark are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at least $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $380 each year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $459 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Chevrolet Spark insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,800 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Buy Cheaper Chevrolet Spark Insurance
Getting lower rates on Chevrolet Spark insurance not only requires avoiding accidents and claims, but also having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates at every policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a condensed summary of the data covered above.
- Drivers who may need increased liability limits will pay approximately $560 each year to go from a low limit to higher 250/500 limits
- Drivers can save up to $150 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $375 each year
- Drivers under the age of 20 are charged the highest prices, with premiums as much as $418 a month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,512 |
| $250 | $1,396 |
| $500 | $1,260 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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