Chevrolet Spark Insurance Rates
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UPDATED: May 16, 2024
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Average insurance rates for a Chevrolet Spark are $1,288 a year including full coverage. Comprehensive costs an estimated $204, collision costs $404, and liability is $500. A policy with just liability insurance costs around $560 a year, with coverage for high-risk drivers costing around $2,800. Teens receive the highest rates at $5,096 a year or more.
Average premium for full coverage: $1,288
Rate estimates broken down by individual coverage type:
Full coverage includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Spark trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as low as $560 for just liability coverage to a much higher rate of $2,800 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates the effect of geographic area on insurance prices.
These examples highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, 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.
Detailed Rate Analysis
The chart below breaks down estimated Chevrolet Spark insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $756
- Raising to $1,000 deductibles will save approximately $136 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,288
- Selecting more expensive low deductibles will increase the cost to $1,558
- At-risk drivers with serious driving violations could pay up to $2,800 or more
- The cost for full coverage for a teen driver with full coverage can cost as much as $5,096
Insurance rates for a Chevrolet Spark can also vary considerably based on your driver profile, the model of your Spark, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $5,000 a year. View Rates by Age
Where you live also has a big influence on Chevrolet Spark insurance prices. A middle-age driver might find rates as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,840 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $410 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $450 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $1,500 to $2,200 additional per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 129% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and rates can be significantly different from one company to the next.
| 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 More Affordable Chevrolet Spark Insurance
Saving money on car insurance consists of being a safe and courteous driver, having a good credit history, not filing small claims, and maximizing policy discounts. Take the time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
Below is a summary of the concepts that were covered in the above illustrations.
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,510 more annually for auto insurance
- Teenage drivers are expensive to insure, as much as $425 per month including comprehensive and collision insurance
- You may be able to save approximately $150 per year simply by shopping early and online
- Increasing deductibles can save around $400 each year
- You may be able to save approximately $150 per year simply by shopping early and online
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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