Chevrolet Spark Insurance Rates
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UPDATED: May 16, 2024
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U.S. average insurance rates for a Chevrolet Spark are $1,288 a year for full coverage. Comprehensive costs on average $204, collision insurance costs $404, and liability is $500. Liability-only insurance costs around $560 a year, and high-risk driver insurance costs around $2,800. Teenage drivers pay the highest rates at up to $5,096 a year.
Average premium for full coverage: $1,288
Price estimates by individual coverage:
Rates are based on $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all Spark models.
Price Range from Low to High
For the average 40-year-old driver, Chevrolet Spark insurance prices range from the low end price of $560 for basic liability insurance to the much higher price of $2,800 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities. The example below illustrates the difference location can make on car insurance rates.
The ranges above show why everyone should compare rates quotes based on a specific location, instead of using 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 average Chevrolet Spark insurance rates for different risk profiles and scenarios.
- The best discount rate is $756
- Raising to $1,000 deductibles will save around $136 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,288
- Using pricier low deductibles bumps up the cost to $1,558
- At-risk drivers who are prone to accidents and violations could pay upwards of $2,800
- The price that insures a teen driver for full coverage may cost $5,096
Car insurance prices for a Chevrolet Spark are also quite variable based on the model of your Spark, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,500 to $2,200 extra each year, depending on your age. Chevrolet Spark insurance for high-risk drivers is expensive and can cost as much as 43% to 129% more than a normal policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age
The state you live in also has a big influence on Chevrolet Spark insurance prices. A middle-age driver might find prices as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,840 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,162 | -$126 | -9.8% |
| Alaska | $988 | -$300 | -23.3% |
| Arizona | $1,070 | -$218 | -16.9% |
| Arkansas | $1,288 | -$0 | 0.0% |
| California | $1,466 | $178 | 13.8% |
| Colorado | $1,228 | -$60 | -4.7% |
| Connecticut | $1,322 | $34 | 2.6% |
| Delaware | $1,456 | $168 | 13.0% |
| Florida | $1,610 | $322 | 25.0% |
| Georgia | $1,190 | -$98 | -7.6% |
| Hawaii | $922 | -$366 | -28.4% |
| Idaho | $872 | -$416 | -32.3% |
| Illinois | $956 | -$332 | -25.8% |
| Indiana | $970 | -$318 | -24.7% |
| Iowa | $868 | -$420 | -32.6% |
| Kansas | $1,222 | -$66 | -5.1% |
| Kentucky | $1,754 | $466 | 36.2% |
| Louisiana | $1,906 | $618 | 48.0% |
| Maine | $796 | -$492 | -38.2% |
| Maryland | $1,062 | -$226 | -17.5% |
| Massachusetts | $1,028 | -$260 | -20.2% |
| Michigan | $2,234 | $946 | 73.4% |
| Minnesota | $1,076 | -$212 | -16.5% |
| Mississippi | $1,542 | $254 | 19.7% |
| Missouri | $1,142 | -$146 | -11.3% |
| Montana | $1,384 | $96 | 7.5% |
| Nebraska | $1,014 | -$274 | -21.3% |
| Nevada | $1,544 | $256 | 19.9% |
| New Hampshire | $930 | -$358 | -27.8% |
| New Jersey | $1,440 | $152 | 11.8% |
| New Mexico | $1,138 | -$150 | -11.6% |
| New York | $1,356 | $68 | 5.3% |
| North Carolina | $742 | -$546 | -42.4% |
| North Dakota | $1,056 | -$232 | -18.0% |
| Ohio | $886 | -$402 | -31.2% |
| Oklahoma | $1,320 | $32 | 2.5% |
| Oregon | $1,178 | -$110 | -8.5% |
| Pennsylvania | $1,226 | -$62 | -4.8% |
| Rhode Island | $1,716 | $428 | 33.2% |
| South Carolina | $1,166 | -$122 | -9.5% |
| South Dakota | $1,086 | -$202 | -15.7% |
| Tennessee | $1,126 | -$162 | -12.6% |
| Texas | $1,550 | $262 | 20.3% |
| Utah | $950 | -$338 | -26.2% |
| Vermont | $882 | -$406 | -31.5% |
| Virginia | $770 | -$518 | -40.2% |
| Washington | $994 | -$294 | -22.8% |
| West Virginia | $1,180 | -$108 | -8.4% |
| Wisconsin | $892 | -$396 | -30.7% |
| Wyoming | $1,148 | -$140 | -10.9% |
Using high physical damage deductibles can reduce prices by up to $410 every year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $450 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Chevrolet Spark | $232 | $448 | $450 | $1,310 |
| 2021 Chevrolet Spark | $224 | $436 | $470 | $1,310 |
| 2020 Chevrolet Spark | $216 | $418 | $486 | $1,300 |
| 2019 Chevrolet Spark | $204 | $404 | $500 | $1,288 |
| 2018 Chevrolet Spark | $196 | $374 | $510 | $1,260 |
| 2017 Chevrolet Spark | $188 | $352 | $514 | $1,234 |
| 2015 Chevrolet Spark | $168 | $292 | $520 | $1,160 |
| 2014 Chevrolet Spark | $162 | $272 | $524 | $1,138 |
| 2013 Chevrolet Spark | $158 | $254 | $534 | $1,126 |
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 Find the Best Cheap Chevrolet Spark Insurance
Getting lower rates on car insurance consists of not taking risks behind the wheel, having a positive credit history, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices once a year by requesting quotes from direct carriers, and also from local exclusive and independent agents.
The following is a quick review of the data that was touched on in this article.
- Drivers can save as much as $150 per year just by quoting online well ahead of the renewal date
- Policyholders who require higher liability limits will pay an extra $550 each year to raise from a low limit to the 250/500 level
- Teens are expensive to insure, with premiums as much as $425 a month if full coverage is purchased
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,510 more each year for Spark insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,096 |
| 20 | $3,000 |
| 30 | $1,324 |
| 40 | $1,288 |
| 50 | $1,182 |
| 60 | $1,160 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,558 |
| $250 | $1,432 |
| $500 | $1,288 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,288 |
| 50/100 | $1,388 |
| 100/300 | $1,513 |
| 250/500 | $1,838 |
| 100 CSL | $1,438 |
| 300 CSL | $1,713 |
| 500 CSL | $1,913 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,224 |
| 20 | $4,784 |
| 30 | $2,842 |
| 40 | $2,800 |
| 50 | $2,680 |
| 60 | $2,658 |
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 | $66 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $53 |
| Advance Quote | $61 |
| Online Quote | $89 |
| Total Discounts | $532 |
Discounts are estimated and may not be available from every company or in every state.
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