Chevrolet Spark Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Chevrolet Spark than the average car.

• Liability auto insurance for a Spark tends to be about $76 a month, while full coverage typically runs around $163 monthly.

• The lowest insurance company for a Spark is AmericanAlliance.

Spark Overview

Coming in with a base MSRP of $13,400 for new 2021 models, the Chevrolet Spark is a great car for all budgets. With four different trim levels currently offered, there's an option for every driver.

We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've found that average Chevrolet Spark car insurance premiums run about $158 a month. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Chevrolet Spark?

You'll see in the table above that Chevrolet Spark insurance rates are right around average compared to other vehicles on the road. On average, Spark owners will pay about $76 per month for liability insurance, and around $163 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When you compare it to other Chevrolet models, the Spark's insurance price is on par with the rest of the automaker's vehicle lineup. Compared to offerings from other brands, auto insurance for a Spark is also more affordable, with liability only insurance prices coming in about 8% less and 8% less for full coverage.

Compared to all vehicles, regardless of body style, model, or make, the Spark has less expensive rates than average for both liability only and full coverage insurance.

Who has the Cheapest Car Insurance for a Chevrolet Spark?

If you're in the market for a new car insurance policy for your Chevrolet Spark, you're probably wondering which carrier offers the lowest prices. Even though premiums can vary significantly depending on your driver profile, MetroMile and and Ohio Mutual offer the cheapest average rates for liability only coverage, with rates as cheap as just $30 a month.

Aspire, Hugo, and Commonwealth Casualty round out the rest of the top 5 list. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Car insurance carriers take a variety of variables into consideration when calculating monthly rates. The only way to guarantee you'll find the most affordable rates is to compare quotes from numerous car insurance companies.

What Factors Affect Car Insurance Rates for a Chevrolet Spark?

As we mentioned above, there are many factors that insurance carriers look at to decide how much they charge you for a policy -- and each company weighs certain pieces more than others, so there's not a single carrier that's the lowest for every Spark driver.

Below are just a few of the things car insurance companies look at and how each one affects your final rate:

Vehicle Age

The Chevrolet Spark has been around for a while, so vehicle age will likely make a big difference in what you end up paying for auto insurance. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Sparks begin to depreciate, insurance costs will gradually get lower.

As you can see in the information above, the Chevrolet Spark is an outlier, as the cheapest models to insure are those that are 6 to 7 years old, while on average, the most expensive Sparks are 8 to 10 years old.

Your Age

How old you are plays a role in how much insurance carriers will charge for car insurance. As you can see in the table above, drivers who are under 24 have more expensive rates than those with more experience. In this case, drivers aged 18 to 24 pay $25 more than those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for Spark drivers.

Your Gender

Men usually pay more for auto insurance than women. This is because women are less likely to get tickets and get into accidents, which decreases the chances of an insurance claim. Surprisingly, when it comes to Spark drivers specifically, women pay around 5% more than men a month for insurance.

Where You Live

You're probably already aware that variables such as how old you are and what vehicle you drive play a role in your auto insurance prices, but did you know that where you live matters just as much? Because car insurance is regulated at the state level, premiums can change quite a bit depending on which state you call home.

For example, the average Chevrolet Spark owner in New York pays about $181 per month for liability coverage, while on average, the same Californian driver will pay less than half of that price. The chart shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change across states.

Chevrolet Spark Car Insurance Discounts

Whatever your age, your home state, or your car, it's always a smart move to take advantage of as many auto insurance discounts as possible.

Not every insurance company will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than by monthly payments
• Multi-policy discounts for getting both your home and auto policies from the same insurance carrier
• Multi-vehicle discounts for insuring more than one of your cars with the same company
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution

These are just a few of the discounts out there. Sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

While you don't have control over every factor car insurance companies take into account to calculate prices (like some of the ones mentioned above), you can influence some of them. Below are just a few of the factors you can use to your advantage in order to save money on auto insurance:

Your Driving Record

It's no secret that car insurance carriers offer the cheapest premiums to drivers with a history of responsible driving. And you're probably not surprised to hear that if you get into an accident or get speeding tickets, insurance rates will go higher. But you still might be left wondering exactly how much collisions and moving violations will cost you.

According to the table above, accidents will usually cost Spark drivers more than tickets, but both will result in above average rates. Chevrolet Spark drivers with a single accident on their record pay about $106 each month (up $30 from the $76/mo. overall average), while drivers with one ticket will pay an average of $82 monthly. Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another variable that impacts your car insurance prices is the total amount of miles you drive. Those who drive less often have fewer opportunities to get into an accident, so they'll generally be offered lower rates. In the table above, you can see that Chevrolet Spark owners who drive 10,000 miles or more pay $69 for auto insurance, while those who drive fewer than 2,500 miles every year pay an average of $67 per month.

But if you don't use your Chevrolet Spark that often, it may be worth considering pay-per-mile or usage-based insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Chevrolet Sparks Compare to Other Vehicles?

If you're thinking about making a Chevrolet Spark your next vehicle, you're probably wondering how it compares to other vehicles. Insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering.

Check out the table below to see how the Chevrolet Spark compares:

Overall, the Chevrolet Spark is a fantastic value when it comes to price, with an MSRP that's less than half of the going rate for a new vehicle. The Spark has an MSRP of $13,400, which is much cheaper than the national average vehicle MSRP of $46,179.

In the same fashion, auto insurance premiums run below average when compared to other vehicles on the market. Liability insurance for a Chevrolet Spark is around $13 per month less than average, while full coverage is $16 less monthly.

When it comes to usage, Chevrolet Spark owners drive more miles annually than the national average, with 11,660 miles per year for all vehicles compared to the Spark's 13,524 every year.

Chevrolet Spark Car Insurance Costs by Model Year

So far, you've seen how different things affect how much the average driver pays to insure a Chevrolet Spark. But if you're considering purchasing a new Spark, knowing what you'll likely pay for the specific car you're looking at is extremely valuable as you weigh your choices.

For this reason, we've decided to break down Chevrolet Spark car insurance prices by model year. Choose a specific Spark model year in the dropdown below and see average rates for both full coverage and liability only insurance, as well as some other helpful info, such as base price, available trims, and even the cheapest insurance carrier for each Spark model year.

2021 Chevrolet Spark Car Insurance

If you're considering a brand new Chevrolet Spark, you've got plenty of options. A base model Spark will put you back $13,400 (plus taxes and other fees), but with four different trim levels to pick from, the price can go up from there.

When it comes to insuring a Spark, it costs about $153 a month, on average, to buy full coverage insurance for a 2021 Chevrolet Spark and $68 monthly for a liability only policy. And if you want the most affordable insurance possible, Mercury offers liability only policies for as little as $24 a month.

Although this gave you a good idea of what the average 2021 Spark will cost to insure, a personalized quote is the only way to know exactly how much insurance will cost you. With Compare.com, you can gather lots of quotes at once, all for free. Simply enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

2020 Chevrolet Spark Car Insurance

If you're looking to buy a 2020 Spark or already own one, you can expect an average auto insurance premium of around $83 for liability or $211 for full coverage.

And if you're just looking for the cheapest car insurance for your Spark, DirectGeneral offers liability only policies for sometimes as low as $23 per month.

If you want to know exactly how much you can expect to pay for your Spark, get free quotes in minutes by just entering your ZIP code below.

2019 Chevrolet Spark Car Insurance

It costs about $81 a month for liability or $180 for a full coverage policy for the 2019 Chevrolet Spark.

Clearcover offered the most affordable policy we found, with rates as little as just $23 monthly.

Want to know exactly what your insurance rate will be? Just enter your ZIP code below to get multiple free personalized quotes.

2018 Chevrolet Spark Car Insurance

On average, drivers who own a 2018 Spark can expect to pay $64 to $155 per month for liability only and full coverage car insurance, respectively.

If you're looking for the lowest possible 2018 Chevrolet Spark insurance policy, Commonwealth Casualty offered the lowest policy we found, with rates as cheap as $26 monthly.

If you want to know exactly how much you can expect to pay for your Spark, just enter your ZIP code below and get several free quotes in minutes.

2017 Chevrolet Spark Car Insurance

2017 Chevrolet Spark drivers can expect to pay an average of $80 per month for liability or $169 for full coverage.

MetroMile has rates as low as just $23 a month for the 2017 Chevrolet Spark.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

2016 Chevrolet Spark Car Insurance

The average cost to insure a 2016 Spark with liability only coverage is $71 monthly, while full coverage runs around $163 per month.

Looking for the most affordable policy? Infinity offered liability only coverage for sometimes as cheap as $18 a month.

While these are good estimates of what the average driver might pay to insure a 2016 Chevrolet Spark, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

2015 Chevrolet Spark Car Insurance

You can expect full coverage for a 2015 Chevrolet Spark to run about $167 monthly, while liability only coverage will average around $82 a month.

We found MetroMile offered the lowest policy, with rates sometimes as little as $21 per month.

Want to find the best rates? Just enter your ZIP code below to get a variety of personalized quotes for free.

2014 Chevrolet Spark Car Insurance

On average, drivers who own a 2014 Spark can expect to pay $69 to $152 a month for liability only and full coverage insurance, respectively.

With prices as low as $16 monthly, Hugo offered the cheapest policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

2013 Chevrolet Spark Car Insurance

It costs about $81 per month for liability or $148 for a full coverage policy for the 2013 Chevrolet Spark.

With premiums as little as just $14 a month, ACG offered the lowest policy we found for the 2013 Chevrolet Spark.

If you want to find the best prices for auto insurance for a 2013 Chevrolet Spark, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

Chevrolet Spark Insurance FAQs

Is a Chevrolet Spark expensive to insure?

When compared to the national average of all vehicles, rates come in on the more affordable end of the spectrum. Liability insurance runs an average of $76 per month, while full coverage will cost you around $163.

How can I get the best price on car insurance for my Chevrolet Spark?

The only way to be sure you're getting the most affordable price on insurance is to regularly shop around and compare quotes from multiple companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a bunch of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Chevrolet Spark affect my insurance rates?

Have you heard the old adage that it costs more to insure a red car than cars of other colors before? Well, that's actually not the case. There are an array of variables auto insurance companies look at when they decide how much to charge you, but the color of your vehicle is not used to make that determination.

Do I need to have insurance before I buy a Chevrolet Spark?

You'll need to have valid car insurance for your Chevrolet Spark before you can legally drive your it off the dealership lot. Some dealerships may offer you an insurance policy as part of the car-buying process, but it's best to let your auto insurance company know beforehand.

What car insurance discounts can I get for my Chevrolet Spark?

You will find several different discounts out there for insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the Spark you drive, but if your Spark has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to talk with your insurance agent and ask about their discounts.