Best Chevrolet Spark Auto Insurance in 2025 (Compare the Top 10 Companies)

The best Chevrolet Spark auto insurance can be found at Geico, State Farm, and Progressive. Military members can also take advantage of exclusive, competitive rates of as low as $38 and exceptional coverage through USAA.

Good drivers can save up to $540 a year in policy discounts by practicing safe driving habits. Let’s take a look at Chevrolet Spark insurance rates, safety features, and more.

Our Top 10 Company Picks: Best Chevrolet Spark Auto Insurance

You can get fast and free auto insurance quotes for Chevrolet Spark from top insurers by entering your ZIP code.

#1 – Geico: Top Overall Pick

Pros

• Vehicle Equipment Discounts: Chevrolet Spark owners can save up to 23% on medical payments for airbags, 5% on certain coverages for anti-lock brakes, and up to 23% on comprehensive coverage for anti-theft systems.
• New Vehicle Discount: Spark owners with vehicles 3 model years old or newer could earn up to a 15% discount. Learn more about Geico’s rates in our Geico auto insurance company review. 
• Good Driver Discount: Chevrolet Spark drivers who have been accident-free for 5 years may save up to 22% on most coverages.

Cons

• Multiple Points of Contact: Spark owners may need to speak with different representatives for sales, billing, claims, and policy changes.
• Limited Physical Branches: Geico relies heavily on online and phone services, which may not appeal to Chevrolet Spark owners preferring in-person interactions.

#2 – State Farm: Best for Customer Service

Pros

• Exceptional Customer Service: State Farm is renowned for its top-notch customer service, providing responsive and helpful support to Chevrolet Spark owners
• Drive Safe & Save®: Spark drivers get an initial discount for enrolling, and if they maintain safe driving habits, they can save up to 30%. Learn more here: State Farm Auto Insurance Review
  
• Accident-Free Benefit: Chevrolet Spark owners maintaining an accident-free driving record could see additional savings.

Cons

• High Cost: Premiums may be higher for Chevrolet Spark owners than Geico, especially for new drivers.
• Online and Mobile Tools: Some Spark owners may find State Farm’s digital offerings less user-friendly when managing policies and filing claims.

#3 – Progressive: Best for Coverage Options

Pros

• Customizable Coverage Packages: Progressive offers flexible coverage packages tailored to the unique needs of Chevrolet Spark drivers, ensuring you get the protection you want without paying for extras you don’t need.
• Multi-policy Benefits: Spark drivers can save an average of 7% on their auto policy when bundling with home insurance. Learn more about coverage options and monthly rates in our Progressive auto insurance company review
• Accident Forgiveness: Progressive won’t raise rates for Chevrolet Spark owners’ first claim of less than $500 starting from the first policy term.

Cons

• Customer Service: Some Chevrolet Spark owners report difficulties dealing with Progressive for claims despite eventual payout.
• Limited Discounts: Progressive’s discounts and savings opportunities are unavailable for Spark owners in some states.

#4 – Allstate: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage: Allstate offers extensive comprehensive coverage, including protection against theft, vandalism, and natural disasters for Chevrolet Spark drivers.
• New Car Discount: Spark drivers can save if their car is a current model year or one year prior and they’re the first owner. Read more: Allstate Auto Insurance Company Review 
• Smart Student Discount: Chevrolet Spark owners under 25 with a GPA of 2.7 or above can save with Allstate.

Cons

• Limited Coverage Options: Allstate may not offer some coverages for Spark owners unless state-mandated, such as full glass coverage or uninsured motorist property damage.
• Gradual Rate Increases: Chevrolet Spark owners may notice a slight rate increase every six months.

#5 – USAA: Best for Military Benefits

Pros

• Military Installation Discount: Chevrolet Spark owners garaging their car on a military installation could save up to 15% on comprehensive coverage.
• SafePilot® Program: Spark drivers can save up to 30% with the USAA safe driving program. Learn more in our USAA car insurance review.
• Low Mileage Discounts: Chevrolet Spark owners who store their vehicles or drive less could save up to 60% on their insurance.

Cons

• Eligibility Restrictions: USAA is only available to military members, veterans, retired military, and their linear descendants.
• Limited Availability: If you don’t have a military background, USAA membership and coverage won’t be available for your Chevrolet Spark.

#6 – Nationwide: Best for Reliable Coverage

Pros

• Reliable Coverage: Nationwide offers consistent, reliable coverage for Chevrolet Spark drivers, so you can feel secure no matter what.
• Multi-Policy: Spark drivers can save an average of $646 when bundling home and car insurance with Nationwide. Explore more discount options in our Nationwide auto insurance review.
• Safe Driver: Chevrolet Spark owners with at least 5 years of safe driving could be eligible for a more affordable Nationwide car insurance rate.

Cons

• Customer Service: Nationwide ranked below average on J.D. Power customer satisfaction surveys for Chevrolet Spark owners.
• Limited Availability: Homeowners policies are unavailable in some states for Spark owners looking to bundle.

#7 – Liberty Mutual: Best for Customizable Policies

Pros

• Early Shopper Discount: Chevrolet Spark owners can save by getting a quote before their current policy expires.
• Claims-Free Discount: Spark drivers with a claims-free driving history can earn savings on their insurance.
• Preferred Payment Discount: Chevrolet Spark owners can save with Liberty Mutual by enrolling in automatic payments or paying in full.

Cons

• Average Customer Satisfaction: Some Chevrolet Spark owners have reported that Liberty Mutual’s service doesn’t always meet expectations.
• High Premiums: Liberty Mutual’s rates can be high for some Chevrolet Spark drivers. To see monthly premiums and honest rankings, read our Liberty Mutual review.

#8 – Travelers: Best for Claim Service

Pros

• Hybrid/electric Car Discount: Chevrolet Spark EV owners could save on their Travelers auto insurance.
• New Car Discount: Spark owners with cars less than three years old may qualify for a discount.
• Good Payer Discounts: Chevrolet Spark drivers can save with Travelers by paying in full or through EFT and maintaining good payment records. For more information, read our Travelers company review.

Cons

• Higher Rates: Travelers tend to be more expensive for Chevrolet Spark insurance than other providers.
• Low Customer Rating: Some Chevrolet Spark owners have expressed dissatisfaction with Travelers’ service, as reflected in its low BBB rating.

#9 – Farmers: Best for Discounts Available

Pros

• On Your Own: Young Chevrolet Spark drivers under 29 can get discounts when starting their own policy.
• Shared Family Car: Households with more drivers than vehicles can save on Chevrolet Spark insurance.
• Senior Driver: Spark owners over 55 who complete approved training can save with Farmers. Find more details in our review of Farmers auto insurance.

Cons

• Higher Rates: Farmer’s Chevrolet Spark policies’ insurance premiums are generally higher than those of industry rivals.
• Customer Complaints: Some Spark owners report slow roadside assistance with Farmers.

#10 – Erie: Best for Regional Focus

Pros

• Car Safety Equipment Discounts: Chevrolet Spark owners can save if their car has factory-installed safety features.
• Multi-Car Discount: Spark drivers insuring multiple vehicles could qualify for a discount. Read our comprehensive Erie review to see if this auto insurance provider is right for you.
• Annual Payment Plan: Chevrolet Spark owners can save with Erie by paying their premiums in one lump sum.

Cons

• Limited Availability: Erie is unavailable in every state for Chevrolet Spark insurance.
• No Usage-Based Insurance: Erie doesn’t offer a usage-based insurance option for Spark drivers.

Chevrolet Spark Insurance Cost

When evaluating insurance for your Chevrolet Spark, several factors come into play. The Spark’s low cost and modest repair expenses often translate to more affordable premiums. However, your insurance rates will still be influenced by your age, location, and driving history, as you’ll see in the the next section.

Chevrolet Spark Auto Insurance Monthly Rates by Coverage Level & Provider

Are Chevrolet Sparks expensive to insure? Not at all. With an average monthly premium of around $124 for full coverage, Sparks are among the most affordable vehicles to insure. Compared to similar models like the Honda Fit and Toyota Yaris, which average $140 and $160 per month respectively, the Spark offers a cost-effective insurance option. Check out our ranking of the best Honda Fit auto insurance for more information.

What Impacts the Cost of Chevrolet Spark Insurance?

The Chevrolet Spark trim and model you choose will affect the total price you will pay for Chevrolet Spark insurance coverage. Let’s look at some of the factors that can affect your insurance rates.

Age of the Vehicle

The average Chevrolet Spark auto insurance rates are higher for newer models. For example, auto insurance rates for a 2017 Chevrolet Spark cost $109.17, while 2013 Chevrolet Spark rates are $102.83, a difference of $6.34.

Chevrolet Spark Auto Insurance Monthly Rates by Age of the Vehicle

Generally, older models tend to have lower insurance costs due to reduced replacement value and repair expenses.

Read more: How Vehicle Year Affects Auto Insurance Rates

Driver Age

Driver age can have a significant effect on Chevrolet Spark car insurance rates. For example, 20-year-old drivers pay $133.50 more for their Chevrolet Spark car insurance each month than 30-year-old drivers.

Chevrolet Spark Auto Insurance Monthly Rates by Age

As drivers mature and gain more driving experience, their insurance rates typically decrease, reflecting their lower risk profile. Read more about how age affects your auto insurance rates in our guide “Auto Insurance Rates by Age.”

Driver Location

Where you live can have a large impact on Chevrolet Spark insurance rates. For example, drivers in Houston may pay $966 a year more than drivers in Columbus.

Chevrolet Spark Auto Insurance Monthly Rates by City

This variation often reflects regional differences in accident frequency and theft rates, as well as state minimum auto insurance requirements that can influence overall costs.

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— AutoInsurance.org (@AutoInsurance) June 14, 2024

Check out our guide “Auto Insurance Rates by ZIP Code” to see how your specific location might affect your insurance.

Your Driving Record

Your driving record can have an impact on the cost of Chevrolet Spark car insurance. Teens and drivers in their 20’s see the highest jump in their Chevrolet Spark auto insurance rates with violations on their driving record.

Chevrolet Spark Auto Insurance Monthly Rates by Age & Driving Record

Even minor infractions can lead to significant rate increases, as insurers use your driving history to gauge risk and predict future claims. Understanding how auto insurance companies check driving records can help you manage your driving habits and potentially lower your premiums. Maintaining a clean record can help keep your premiums in check and potentially qualify you for lower rates over time.

Chevrolet Spark Safety Ratings

Your Chevrolet Spark car insurance rates are tied to the safety ratings of the Chevrolet Spark. See the breakdown below:

Chevrolet Spark Safety Ratings

Vehicles with high safety ratings generally benefit from lower insurance rates, as they are considered less risky to insure. While the Spark has strong scores in moderate overlap and side tests, the lack of data on other tests may affect its overall insurance attractiveness compared to models with more comprehensive safety evaluations.

Chevrolet Spark Crash Test Ratings

Not only do good Chevrolet Spark crash test ratings mean you are better protected in a crash, but good Chevrolet Spark crash ratings also mean cheaper insurance rates.

Chevrolet Spark Crash Test Ratings

While recent models lack specific ratings, historically good performance in crash tests would contribute to more favorable insurance pricing. Read more: Top 5 Deadliest Vehicle Defects

Chevrolet Spark Safety Features

The Chevrolet Spark safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Chevrolet Spark auto insurance rates.

The Chevrolet Spark’s safety features include:

• Rearview camera
• Rear parking sensors
• Forward collision warning
• Lane departure warning
• Automatic emergency braking

Investing in these advanced safety features doesn’t just enhance your road safety; it can also unlock valuable auto insurance discounts.

Insurers recognize these features as a proactive measure, often translating into lower premiums and financial savings for you.

Ways to Save on Chevrolet Spark Insurance

There are many ways that you can save on Chevrolet Spark car insurance.

Below are five actions you can take to find cheap Chevrolet Spark auto insurance rates.

• Make sure you use an accredited driver safety program.
• Ask about Chevrolet Spark discounts if you were listed on someone else’s policy.
• Ask about a student away from home discount.
• Check for organization-based discounts, like alumni or employer discounts.
• Compare apples to apples when comparing Chevrolet Spark insurance quotes and policies.

Read more: Where to Compare Auto Insurance Rates

Top Chevrolet Spark Insurance Companies

The best auto insurance companies for Chevrolet Spark car insurance rates will offer competitive rates, discounts, and account for the Chevrolet Spark’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Top 10 Chevrolet Spark Auto Insurance Providers by Market Share

Choosing one of these top companies can ensure you’re getting the best rates and coverage options tailored for the Chevrolet Spark, leveraging its cost-efficient insurance characteristics for greater savings.

Compare Free Chevrolet Spark Insurance Quotes Online

Comparing free Chevrolet Spark insurance quotes online is a smart way to find the best coverage at the lowest price. By using online comparison tools, you can quickly see how different insurers stack up in terms of rates, discounts, and coverage options tailored to the Chevrolet Spark’s specific needs.

This approach not only helps you identify the most cost-effective policies but also ensures you get the best value for your money, taking full advantage of the Spark’s low insurance costs and safety features. Don’t miss out on potential savings—get multiple quotes to find the perfect insurance plan for your Chevrolet Spark.

Read more: Where can I compare online auto insurance companies?

Ready to find the perfect plan? Get instant Chevy Spark insurance quotes from our free comparison tool below.