Chevrolet Spark Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

2018 Chevrolet Spark Insurance Rates in 2025

Wish you could get a refund on high-priced insurance coverage? Say no more because there are lots of people in the same boat. Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a provider and get the definite lowest rate Consumers should take time to price shop coverage before your policy renews because prices change frequently. Just because you had the ...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: May 16, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance rates for a Chevrolet Spark are $1,260 a year with full coverage. Comprehensive insurance costs on average $196 each year, collision costs $374, and liability costs around $510. A liability-only policy costs as low as $568 a year, with high-risk insurance costing $2,740 or more. Teens 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:

Comprehensive $196
Collision $374
Liability $510

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Spark models.

Price Range Variability

For an average driver, Chevrolet Spark insurance rates go from the low end price of $568 for just the minimum liability insurance to a high rate of $2,740 for a driver who has had serious violations or accidents.

Liability Only $568
Full Coverage $1,260
High Risk $2,740

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

Rural Areas $945
Small Cities $1,323
Large Cities $1,701

The examples above demonstrate why all drivers should compare prices based on a specific location, instead of using averaged prices.

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.

Additional Rate Analysis

The chart below details estimated Chevrolet Spark insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $743
  • Using higher $1,000 deductibles will save around $128 annually
  • The estimated price for a good driver age 40 with $500 deductibles is $1,260
  • Selecting low deductibles for physical damage coverage will cost an additional $252 every year
  • Drivers with serious driving violations could pay upwards of $2,740 or more
  • Policy cost that insures a teen driver may cost $5,016 or more

View Chart as Image

Chevrolet Spark insurance cost comparison chart
Column chart showing full coverage Chevrolet Spark insurance prices range from $743 to $5,016

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

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age

Your home state has a huge impact on Chevrolet Spark insurance prices. A driver around age 40 might see rates as low as $910 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,700 on average in Florida, Michigan, and New York.

Chevrolet Spark Insurance Rates by State
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%

View Chart as Image

Chevrolet Spark insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $380 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company calculates rates differently, so rate quotes will be varied.

Chevrolet Spark Insurance Rates by Model Year
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 Find the Right Chevrolet Spark Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare rates every other policy renewal by getting quotes from direct companies, and also from several local insurance agents.

The items below are a quick rundown of the ideas that were covered in the above illustrations.

  • Teen drivers are expensive to insure, as much as $418 each month if full coverage is purchased
  • Higher risk drivers with reckless driving or DUI convictions pay on average $1,480 more each year to insure their Spark
  • Increasing comprehensive and collision deductibles can save approximately $375 each year
  • You may be able to save as much as $150 per year simply by quoting online in advance

Rates by Driver Age

Chevrolet Spark Insurance 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

Chevrolet Spark Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,512
$250 $1,396
$500 $1,260
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Spark Insurance Rates with Different Liability Limits
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

Chevrolet Spark Insurance 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.

SR-22 Surcharge $176

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
Rate after discounts $743

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles