Chevrolet Spark Insurance Rates

The average insurance rates for a Chevrolet Spark are $1,234 a year with full coverage. Comprehensive insurance costs around $188 a year, collision insurance costs $352, and liability costs $514. A liability-only policy costs as little as $572 a year, and high-risk insurance costs $2,686 or more. 16-year-old drivers cost the most to insure at up to $4,944 a year.

Average premium for full coverage: $1,234

Policy rates for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Spark trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than congested cities. The diagram below illustrates how location helps determine auto insurance rates.

The examples above demonstrate why it is important to compare rates for a specific zip code, instead of using rate averages.

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

Additional Rate Information

The chart below details average Chevrolet Spark insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $730
• Drivers who choose higher $1,000 deductibles will pay about $1,114 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,234
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $240 every year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,686
• Policy cost that insures a teen driver can be $4,944 a year

View Chart as Image

Car insurance rates for a Chevrolet Spark also range considerably based on the trim level of your Spark, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 135% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $4,900 a year. View Rates by Age

Your home state makes a big difference in Chevrolet Spark insurance prices. A 40-year-old driver could pay as low as $890 a year in states like New Hampshire, Ohio, and Utah, or at least $1,670 on average in Florida, Michigan, and New York.

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Opting for high physical damage deductibles could save up to $360 every year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $462 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find More Affordable Chevrolet Spark Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having a positive credit history, not filing small claims, and consideration of higher deductibles. Comparison shop once a year by getting quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a summary of the data that was covered in the charts and tables above.

• You may be able to save up to $140 per year just by quoting early and online
• Policyholders who may need higher liability limits will pay around $570 every year to go from a 30/60 limit to the 250/500 level
• Teenagers are the costliest to insure, as much as $412 each month if full coverage is purchased
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,450 more every year for car insurance