Chevrolet Spark Insurance Rates
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UPDATED: May 16, 2024
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The average insurance prices for a Chevrolet Spark are $1,288 every 12 months with full coverage. Comprehensive insurance costs around $204 a year, collision insurance costs $404, and liability costs $500. Liability-only insurance costs as little as $560 a year, and high-risk driver insurance costs $2,800 or more. Teens cost the most to insure at up to $5,096 a year.
Average premium for full coverage: $1,288
Policy rates for type of insurance:
Price estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Spark trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Chevrolet Spark insurance rates range from the cheapest price of $560 for just the minimum liability insurance to a high of $2,800 for high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance rates.
The examples above demonstrate why it is important to compare rates for a specific zip code and their own driving history, 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.
Additional Rate Analysis
The chart below details average Chevrolet Spark insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $756
- Drivers who choose higher $1,000 deductibles will pay about $1,152 annually
- The average price for a good driver age 40 using $500 deductibles is $1,288
- Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $270 annually
- Drivers with serious driving violations could pay at least $2,800
- Policy cost to insure a 16-year-old driver can be $5,096 a year
Auto insurance rates for a Chevrolet Spark also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $410 annually, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,500 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 129% more than the average policy. View High Risk Driver Rates
Your home state makes a big difference in Chevrolet Spark insurance prices. A 40-year-old driver could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,740 on average in Florida, Michigan, 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% |
| 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 Shop for Cheaper Chevrolet Spark Insurance
Finding cheaper rates on insurance for a Chevrolet Spark not only requires being safe and accident-free, but also having a good credit score, not filing small claims, and possibly raising deductibles. Set aside time to shop around every couple of years by requesting rates from direct companies, and also from several local insurance agents.
Below you'll find a condensed summary of the material that was raised in the charts and tables above.
- Insureds who may need more liability protection will pay approximately $550 every year to go from a 30/60 limit to a 250/500 level
- Youthful drivers are expensive to insure, as much as $425 each month if comprehensive and collision insurance is included
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,510 more every year than a low-risk driver
- Increasing comprehensive and collision deductibles could save as much as $400 each year
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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