Estimates, not quotes

Chevrolet Spark Insurance Cost in Georgia

Insuring a Chevrolet Spark in Georgia costs about $1,770 a year ($147/month) for full coverage by our estimate — +27% versus the same car nationally — the 4th most expensive of 51 states for this model.

Chevrolet Spark (photo from Wikimedia Commons)
Photo: MercurySable99, CC BY-SA 4.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Chevrolet Spark insurance in Georgia at a glance

Full coverage
$1,770
$1,450–$2,085
25/50/25 minimum
$890
$74/mo
Same car nationally
$1,390
full coverage
Avg. car in GA
$1,965
−10% for the Spark

The Chevrolet Spark is 10% cheaper than the average vehicle to insure in Georgia. Georgia's own base rates are 21% higher than the national average, which carries through to every model.

Georgia factors that affect Spark premiums

  • Uninsured drivers: 19.0% of Georgia drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Spark.
  • Theft: 163 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Georgia's expected annual losses as relatively moderate for hail, relatively high for tornado, relatively moderate for hurricane, relatively moderate for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.15 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Georgia →

Chevrolet Spark insurance cost in Georgia cities

CityFull coverageMinimumvs. state
Atlanta$1,985$1,000+12%
Columbus$1,740$875−2%
Augusta$1,715$860−3%
Macon$1,725$870−3%
Savannah$1,775$8900%
Athens$1,750$880−1%
South Fulton$1,965$985+11%
Sandy Springs$1,940$975+10%
Roswell$1,935$975+9%
Alpharetta$1,935$975+9%
Albany$1,745$880−1%
Marietta$1,965$985+11%
Valdosta$1,700$860−4%
Gainesville$1,835$925+4%
LaGrange$1,740$875−2%

Chevrolet Spark insurance in Georgia by driver

Estimated annual Chevrolet Spark premium in Georgia
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $2,445 $3,545 $4,865 $405
Young adult (22) $1,425 $2,065 $2,830 $236
Adult in their 30s $890 $1,290 $1,770 $148
Adult in their 50s $820 $1,185 $1,630 $136
Senior (72) $995 $1,445 $1,980 $165
30s, one at-fault accident $1,290 $1,870 $2,565 $214
30s, DUI on record $1,645 $2,385 $3,275 $273

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $890 $74 $730–$1,050
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,290 $107 $1,055–$1,520
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,770 $147 $1,450–$2,085

Georgia minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Georgia

ModelFull coverage in GAvs. Spark
Volkswagen Beetle$1,870+6%
Honda Fit$1,870+6%
Smart fortwo$1,910+8%
MINI Cooper$1,505−15%

Estimate your Spark premium by ZIP code

Runs in your browser — nothing you enter is stored or sent to insurers.

Estimated annual premium
—
Per month
—

Chevrolet Spark insurance cost in every state · All Chevrolet models

Frequently asked questions

How much is Chevrolet Spark insurance in Georgia?

About $1,770 a year ($147 a month) for full coverage and $890 for Georgia's minimum liability, for a driver in their 30s with a clean record. That is 27% more than the national estimate for the same car.

Is the Chevrolet Spark cheaper to insure than the average car in Georgia?

The average vehicle in Georgia is about $1,965 a year for full coverage in our model, so the Chevrolet Spark is 10% cheaper than average.

Where in Georgia is Chevrolet Spark insurance cheapest?

Among the largest Georgia cities, Valdosta has the lowest estimate (about $1,700) and Atlanta the highest (about $1,985).

What insurance do I need for a Chevrolet Spark in Georgia?

Georgia requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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.

Sources used on this page