Chevrolet Spark Insurance Rates
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UPDATED: May 16, 2024
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The average auto insurance rates for a Chevrolet Spark are $1,260 annually including full coverage. Comprehensive insurance costs on average $196 each year, collision costs $374, and liability insurance is estimated at $510. Buying just liability costs approximately $568 a year, with insurance for high-risk drivers costing $2,740 or more. 16-year-old drivers cost the most to insure at $5,016 a year or more.
Average premium for full coverage: $1,260
Policy rates by type of insurance:
Estimates include $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Spark models.
Price Range Variability
For the average 40-year-old driver, Chevrolet Spark insurance rates go from as cheap as $568 for your basic liability-only policy to a high rate of $2,740 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities.
The graphic below illustrates the difference location can make on car insurance rates.
The examples above highlight why all drivers should get quotes based on a specific location and their own personal driving habits, rather than relying on 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 Information
The chart below breaks down estimated Chevrolet Spark insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $743
- Choosing higher $1,000 deductibles can save around $128 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,260
- Buying low deductibles for comp and collision coverage costs an additional $252 a year
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,740 or more
- Policy cost with full coverage for a teen driver may cost $5,016 each year
Insurance rates for a Chevrolet Spark also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $380 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $459 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Chevrolet Spark insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,800 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so the rates will be varied between companies.
| 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 Low Cost Chevrolet Spark Insurance
Finding cheaper rates on Chevrolet Spark insurance takes having a good driving record, having a good credit history, paying for small claims out-of-pocket, and bundling your home and auto policies. Make time to compare rates every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a review of the material that was touched on in this article.
- Drivers who require increased levels of liability coverage will pay around $560 per year to raise limits from a 30/60 limit to higher 250/500 limits
- Drivers age 20 and younger pay the highest rates, with premiums being up to $418 each month including comprehensive and collision insurance
- High-risk drivers who have several accidents or serious violations pay on average $1,480 more each year to buy Chevrolet Spark insurance
- Increasing comprehensive and collision deductibles could save up to $375 each year
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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