Chevrolet Spark Insurance Rates
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Michelle Robbins
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UPDATED: May 16, 2024
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The average insurance prices for a Chevrolet Spark are $1,234 every 12 months for full coverage. Comprehensive insurance costs an estimated $188 a year, collision costs $352, and liability costs $514. A liability-only policy costs as little as $572 a year, with high-risk insurance costing $2,686 or more. Teen drivers cost the most to insure at $4,944 a year or more.
Average premium for full coverage: $1,234
Policy rates broken down by type of insurance:
Prices include $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Spark trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Chevrolet Spark insurance rates go from the cheapest price of $572 for basic liability insurance to a high of $2,686 for high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas.
The diagram below illustrates how rural and urban location affects insurance prices.
The examples above show why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based on 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.
Rate Comparisons
The chart below shows estimated Chevrolet Spark insurance rates for other coverage scenarios.
- The lowest rate with discounts is $730
- Drivers who choose higher $1,000 deductibles will pay approximately $1,114 a year
- The average price for a good driver age 40 who has $500 deductibles is $1,234
- Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $240 annually
- Drivers with multiple violations and an at-fault accident could pay up to $2,686 or more
- Policy cost to insure a 16-year-old driver can cost as much as $4,944 a year
Car insurance rates for a Chevrolet Spark also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Choosing high deductibles could save up to $360 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $462 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $4,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 135% more than average. View High Risk Driver Rates
Your home state makes a big difference in Chevrolet Spark insurance prices. A 40-year-old driver could pay 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% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from multiple companies. Every company uses a different rate calculation, so rate quotes will be varied.
| 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 Shop for the Right Chevrolet Spark Insurance
Finding cheaper rates on insurance for a Chevrolet Spark not only requires not taking risks behind the wheel, but also maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around every couple of years by obtaining price quotes from direct carriers, and also from several local insurance agents.
The following is a quick rundown of the material that was raised in the charts and tables above.
- Insureds who want higher liability limits will pay about $570 each year to go from a 30/60 limit to a 250/500 level
- Teens have the highest car insurance rates, costing up to $412 each month if the policy includes full coverage
- Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,450 more annually for Spark insurance
- Increasing comprehensive and collision deductibles could save as much as $350 each year
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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