Chevrolet Spark Insurance Rates

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UPDATED: May 16, 2024

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Average auto insurance rates for a Chevrolet Spark are $1,260 annually for full coverage insurance. Comprehensive insurance costs an estimated $196 each year, collision costs $374, and liability insurance costs $510. A policy with just liability insurance costs as little as $568 a year, with coverage for high-risk drivers costing $2,740 or more. Teenage drivers receive the highest rates at $5,016 a year or more.

Average premium for full coverage: $1,260

Rate estimates broken down by individual coverage type:

Comprehensive $196
Collision $374
Liability $510

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Spark models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as cheap as $568 for just liability insurance to a high rate of $2,740 for a driver who requires high-risk insurance.

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

Price Range by Location

Your location has a significant impact on the price of insurance. More rural locations tend to have fewer physical damage claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

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

These examples illustrate why all drivers should compare rates for a targeted area and their own personal driving habits, rather than relying 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.

More Rate Details

The chart below illustrates estimated Chevrolet Spark insurance rates for other coverage scenarios.

  • The best discount rate is $743
  • Drivers who choose higher $1,000 deductibles will pay approximately $128 each year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,260
  • Using low deductibles for comprehensive and collision insurance costs an additional $252 a year
  • High risk drivers who are prone to accidents and violations could pay up to $2,740 or more
  • The cost with full coverage for a teen driver can cost as much as $5,016 a year

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

Insurance rates for a Chevrolet Spark can also vary considerably based on the trim level of your Spark, your risk profile, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $380 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $459 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Chevrolet Spark insurance rates. A 40-year-old driver could pay as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,700 on average in Florida, New York, and Michigan.

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

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and rates can be significantly different between companies.

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 Buy the Right Chevrolet Spark Insurance

Saving money on Chevrolet Spark insurance not only requires being a good driver, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a quick rundown of the concepts that were covered above.

  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,480 more annually than a safer driver
  • Drivers age 16 to 20 are expensive to insure, costing up to $418 per month if they have full coverage
  • It is possible to save approximately $150 per year simply by quoting online in advance
  • Increasing deductibles could save up to $375 each year
  • It is possible to save approximately $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.

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