Chevrolet Spark Insurance Rates

The average insurance rates for a Chevrolet Spark are $1,260 a year with full coverage. Comprehensive costs on average $196 each year, collision insurance costs $374, and liability costs around $510. A liability-only policy costs as low as $568 a year, and high-risk insurance costs around $2,740. Teens cost the most to insure at up to $5,016 a year.

Average premium for full coverage: $1,260

Policy rates by type of insurance:

Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Spark models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why all drivers should compare prices based on a specific location and risk profile, instead of using averaged prices.

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

Additional Rate Details

The chart below details average Chevrolet Spark insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $743
• Using higher $1,000 deductibles will save around $128 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,260
• Selecting low deductibles for physical damage coverage will increase the cost to $1,512
• Drivers with serious driving violations could pay upwards of $2,740
• Policy cost for full coverage for a teen driver may cost $5,016 or more

View Chart as Image

Car insurance rates for a Chevrolet Spark also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $5,000 a year. View Rates by Age

Your home state has a huge impact on Chevrolet Spark insurance prices. A driver around age 40 might see rates as low as $910 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,700 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $380 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 132% more than the average policy. View High Risk Driver Rates

How to Find the Right Chevrolet Spark Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to compare rates every other policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following is a quick rundown of the ideas that were covered in the above illustrations.

• Teens are expensive to insure, as much as $418 each month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,480 more each year for Spark insurance
• Increasing comprehensive and collision deductibles can save around $375 each year
• You may be able to save as much as $150 per year just by quoting online in advance