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 insurance rates for a Chevrolet Spark are $1,234 a year including full coverage. Comprehensive costs an estimated $188, collision insurance costs $352, and liability 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:
Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Spark trim levels.
Price Range from Low to High
For an average driver, Chevrolet Spark insurance prices range from the low end price of $572 for just liability insurance to a much higher rate of $2,686 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location can have significant affects on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare rates for a targeted area, instead of using rate 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 Details
The chart below breaks down 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 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,234
- Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,474
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,686
- The price that insures a teen driver with full coverage can cost as much as $4,944 a year
Car insurance prices for a Chevrolet Spark are also quite variable based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost as much as 42% to 135% more than the average rate. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records 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 prices. A 40-year-old driver could pay as low as $950 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,760 on average in Louisiana, New York, 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% |
Opting for high physical damage deductibles could save up to $360 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection 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
| 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 Affordable Chevrolet Spark Insurance
Getting lower rates on car insurance not only requires being a good driver, but also having a positive credit history, being claim-free, and possibly higher deductibles. Comparison shop at every policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The following list is a brief review of the data covered in the above illustrations.
- Policyholders who want an increased level of liability coverage will pay around $570 per year to go from a low limit to the 250/500 level
- You may be able to save approximately $140 per year just by shopping early and online
- Increasing physical damage deductibles can save approximately $350 each year
- Drivers age 16 to 20 have the highest car insurance prices, possibly costing $412 a month if full coverage is purchased
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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