Chevrolet Spark Insurance Cost
Full coverage for a Chevrolet Spark costs about $1,390 a year ($116/month) by our estimate — ▼ −13% versus the average vehicle.
Chevrolet Spark insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2022 model year. Our vehicle data covers the 2013–2022 model years of the Chevrolet Spark, which is no longer in production.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $625 | $52 | $515–$740 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $910 | $76 | $745–$1,070 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,390 | $116 | $1,140–$1,640 |
What drives the cost of insuring a Chevrolet Spark
HLDI does not publish loss results for the Chevrolet Spark, so our estimate uses the typical losses of its segment (Subcompact car): 1.02× average for liability, 0.90× for collision and 0.85× for comprehensive.
- Repair and parts costs: Subcompact car — mainstream parts availability keeps repairs moderate.
- Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
- Recalls & complaints: 0 NHTSA recall campaigns and 28 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Chevrolet Spark trims and configurations (2022)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPGe (comb.) | Range |
|---|---|---|---|---|
| Spark | FWD | 1.4L 4-cyl | 33 | — |
| Spark ACTIV | FWD | 1.4L 4-cyl | 33 | — |
Chevrolet Spark insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPGe | Est. full / yr |
|---|---|---|---|---|
| 2022 | 1.4L 4-cyl | FWD | 32–33 | $1,390 |
| 2021 | 1.4L 4-cyl | FWD | 32–33 | $1,360 |
| 2020 | 1.4L 4-cyl | FWD | 32–33 | $1,335 |
| 2019 | 1.4L 4-cyl | FWD | 32–33 | $1,305 |
| 2018 | 1.4L 4-cyl | FWD | 32–33 | $1,275 |
| 2017 | 1.4L 4-cyl | FWD | 32–33 | $1,250 |
| 2016 | 1.4L 4-cyl, Electric | FWD | 33–34 | $1,220 |
| 2015 | 1.2L 4-cyl, Electric | FWD | 33–34 | $1,220 |
| 2014 | 1.2L 4-cyl, Electric | FWD | 33–34 | $1,220 |
| 2013 | 1.2L 4-cyl | FWD | 31–34 | $1,220 |
Chevrolet Spark insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Spark page for that state.
Chevrolet Spark insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,720 | $2,495 | $3,820 | $318 |
| Young adult (22) | $1,000 | $1,455 | $2,220 | $185 |
| Adult in their 30s | $625 | $910 | $1,390 | $116 |
| Adult in their 50s | $575 | $835 | $1,275 | $106 |
| Senior (72) | $700 | $1,015 | $1,555 | $130 |
| 30s, one at-fault accident | $910 | $1,315 | $2,015 | $168 |
| 30s, DUI on record | $1,160 | $1,680 | $2,570 | $214 |
Chevrolet Spark vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Chevrolet Spark | $1,390 | — | — | — |
| Volkswagen Beetle | $1,275 | — | — | Compare |
| Honda Fit | $1,305 | — | — | Compare |
| Smart fortwo | $1,305 | — | — | Compare |
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Other Chevrolet models
- Blazer EV $1,520/yr
- Bolt EV $1,610/yr
- Corvette $1,520/yr
- Equinox $1,470/yr
- Equinox EV $1,520/yr
- Suburban $1,610/yr
- Tahoe $1,450/yr
- Traverse $1,050/yr
- Blazer $1,510/yr
- Colorado $1,355/yr
- Silverado 1500 $1,725/yr
- Silverado EV $1,600/yr
- Trailblazer $1,475/yr
- Trax $1,430/yr
- Malibu $2,055/yr
- Camaro $2,245/yr
- Bolt EUV $1,395/yr
- Impala $1,375/yr
- Sonic $1,305/yr
- Cruze $1,310/yr
- Volt $1,310/yr
- City Express $1,280/yr
- Express $1,250/yr
- SS $1,300/yr
- Captiva Sport $1,200/yr
- Avalanche $1,240/yr
- Aveo $1,220/yr
- HHR $1,190/yr
- Cobalt $1,245/yr
- Malibu Classic $1,255/yr
Frequently asked questions
How much is insurance for a Chevrolet Spark?
We estimate about $1,390 a year ($116 a month) for full coverage and $625 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 13% less than the average vehicle.
Which state is cheapest to insure a Chevrolet Spark?
North Dakota has the lowest estimate (about $835 a year for full coverage) and Florida the highest (about $2,075).
Is the Chevrolet Spark cheaper to insure than the Volkswagen Beetle?
By our estimate the Chevrolet Spark costs about $1,390 a year versus $1,500 for the Volkswagen Beetle, making it the cheaper of the two to insure.
How much is Chevrolet Spark insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $3,820 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.