Chevrolet Spark Insurance Rates

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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 ...

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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...

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UPDATED: May 16, 2024

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Average insurance rates for a Chevrolet Spark are $1,260 a year for full coverage. Comprehensive costs on average $196 each year, collision insurance costs $374, and liability is estimated at $510. A liability-only policy costs approximately $568 a year, and high-risk insurance costs around $2,740. Teens receive the highest rates at up to $5,016 a year.

Average premium for full coverage: $1,260

Rate estimates by individual coverage type:

Comprehensive $196
Collision $374
Liability $510

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

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $568 for just liability insurance to a high rate of $2,740 for a high-risk insurance policy.

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

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how location impacts car insurance rates.

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

These examples show why all drivers should get quotes based on a specific location and risk profile, instead of making a decision based on 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.

More Rate Details

The chart below shows average Chevrolet Spark insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $743
  • Choosing higher $1,000 deductibles can save around $128 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,260
  • Selecting low deductibles for comp and collision coverage will increase the cost to $1,512
  • Higher-risk drivers with serious driving violations could pay upwards of $2,740
  • The cost for full coverage for a 16-year-old driver may cost $5,016 each year

View Chart as Image

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

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

More mature drivers with a clean driving record and high deductibles may pay as low as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $5,000 a year. View Rates by Age

Where you live plays a big part in determining prices for Chevrolet Spark insurance prices. A good driver about age 40 could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,800 on average in Michigan, Louisiana, 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 can save as much as $380 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $459 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges from 42% to 132% more than the average policy. View High Risk Driver Rates

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 Low Cost Chevrolet Spark Insurance

Saving money on insurance for a Chevrolet Spark takes avoiding accidents and claims, maintaining good credit, eliminating unneeded coverage, and determing if full coverage is necessary. Spend time shopping around at least every other year by getting rate quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The points below are a review of the car insurance concepts touched on above.

  • Drivers considered higher risk who have several accidents or serious violations will pay on average $1,480 more each year to insure a Chevrolet Spark
  • Drivers can save as much as $150 per year just by quoting online in advance
  • Increasing deductibles can save around $375 each year
  • Insureds who require increased liability limits will pay approximately $560 each year to raise limits from a minimum limit to 250/500 limits

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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