Chevrolet Spark Insurance Rates

The average insurance rates for a Chevrolet Spark are $1,260 a year for full coverage. Comprehensive insurance costs around $196 a year, collision insurance costs $374, and liability insurance is estimated at $510. Liability-only coverage costs approximately $568 a year, and high-risk coverage costs $2,740 or more. Teenage drivers cost the most to insure at up to $5,016 a year.

Average premium for full coverage: $1,260

Policy rates for type of insurance:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Spark trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above show why it is important to get quotes for a specific zip code, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $743
• Choosing higher $1,000 deductibles can save about $1,132 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,260
• Using low $100 deductibles for comp and collision coverage will cost an additional $252 a year
• High-risk insureds who are prone to accidents and violations could pay at least $2,740
• Policy cost that insures a teen driver can be $5,016 each year

View Chart as Image

Insurance rates for a Chevrolet Spark also range considerably based on the trim level of your Spark, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,000 a year. View Rates by Age

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 $830 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $380 each year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $459 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Chevrolet Spark Insurance

Finding cheaper rates on Chevrolet Spark insurance takes being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare prices every other policy renewal by quoting rates from direct carriers, and also from several local insurance agents.

Below you'll find a quick review of the ideas that were raised in the charts and tables above.

• Youthful drivers are charged the highest rates, costing up to $418 each month if comprehensive and collision insurance is included
• High-risk drivers with a DUI or reckless driving violation pay on average $1,480 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• Drivers can save up to $150 per year just by quoting early and online