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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The average insurance prices for a Chevrolet Spark are $1,260 every 12 months for full coverage. Comprehensive costs approximately $196 a year, collision costs $374, and liability is $510. Liability-only coverage costs around $568 a year, with high-risk coverage costing around $2,740. Teenage 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:
Rates are based on $500 deductibles, 30/60 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 middle-aged driver as an example, Chevrolet Spark insurance rates go from the cheapest price of $568 for basic liability insurance to a high of $2,740 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities.
The diagram below illustrates how where you live affects auto insurance prices.
The examples above show why it is important to compare rates quotes using their specific location and their own driving history, instead of making a decision based on average rates.
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 additional coverage and risk scenarios.
- The best discount rate is $743
- Raising to $1,000 deductibles will save $1,132 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,260
- Using low $100 deductibles increases the price to $1,512
- Drivers who are prone to accidents and violations could pay around $2,740 or more
- Policy cost to insure a 16-year-old driver can cost $5,016
Insurance rates for a Chevrolet Spark also range considerably based on liability limits and deductibles, your driver profile, and the model of your Spark.
Using high physical damage deductibles can reduce rates by up to $380 annually, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $459 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,000 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 anywhere from $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 132% more than a normal policy. View High Risk Driver Rates
Your home state also has a big influence on Chevrolet Spark insurance prices. A middle-age driver might find rates as low as $830 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,800 on average in New York, Louisiana, and Michigan.
| 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 only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates will be varied.
| 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 Shop for the Best Cheap Chevrolet Spark Insurance
Finding cheaper rates on insurance for a Chevrolet Spark consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop at every policy renewal by getting quotes from direct carriers, and also from your local independent and exclusive agents.
The following is a quick review of the data touched on in the above illustrations.
- Insureds who purchase higher liability limits will pay an extra $560 each year to raise from a 30/60 limit to a 250/500 level
- Drivers can save around $150 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $375 each year
- Teens are the costliest to insure, costing up to $418 each month if full coverage is included
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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