2016 Chevrolet Spark Car Insurance Calculator

Discover how changes to driver risk factors and vehicle options influence insurance rates for a 2016 Chevrolet Spark. Customize rate factors like credit rating, policy coverages, liability limits, and coverage deductibles. Know immediately if the change you make raises or lowers insurance rates and why.

The average estimated car insurance premium for a 2016 Chevrolet Spark is $1,500 per year, or about $125 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,500

Cost Per Month

$125

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Chevrolet Spark Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Chevrolet Spark.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,500
Average Rate
Your Rate
$1,500

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Chevrolet Spark trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Chevrolet Spark is $1,500.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Chevrolet Spark vs. the Small Car Segment

The table below compares insurance rates for the 2016 Chevrolet Spark against all other models in the small car segment. The Chevrolet Spark is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Chevrolet Spark, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Chevrolet Spark.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Chevrolet Spark Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,254-$246
2Chrysler Fiat 500$1,360-$140
3Honda Fit$1,386-$114
4Toyota Yaris$1,394-$106
5Nissan Versa$1,396-$104
6Ford Fiesta$1,408-$92
7Subaru Impreza$1,472-$28
8Scion IM$1,488-$12
9Chevrolet Spark$1,500--
10Hyundai Accent$1,504$4
11Volkswagen Golf$1,518$18
12Mazda 3$1,538$38
13Scion IA$1,540$40
14Honda CR-Z$1,576$76
15Honda Civic$1,586$86
16Nissan Sentra$1,590$90
17Kia Rio$1,612$112
18Toyota Corolla$1,628$128
2016 Small Car Average$1,636$136
19Nissan Leaf$1,642$142
20Toyota Prius$1,644$144
21Hyundai Veloster$1,650$150
22Chevrolet Sonic$1,668$168
23Volkswagen Beetle$1,694$194
24Volkswagen GTI$1,706$206
25Chevrolet Volt$1,708$208
26Chevrolet Cruze$1,712$212
27Volkswagen EOS$1,716$216
28Kia Forte$1,724$224
29Ford Focus$1,744$244
30Hyundai Elantra$1,760$260
31Scion FR-S$1,778$278
32Mitsubishi Lancer$1,838$338
33Volkswagen E-Golf$1,852$352
34Volkswagen Jetta$1,924$424
35Dodge Dart$1,968$468
36Scion TC$2,022$522
37Toyota Mirai$2,036$536

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 Spark Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Chevrolet Spark.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Chevrolet Spark Insurance Rates by Trim Level
2016 Chevrolet Spark Trim Level Annual Premium Cost Per Month
LS Hatchback$1,428$119
LT Hatchback$1,484$124
Electric LT Sedan$1,588$132

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Chevrolet Spark for different driver ages.

2016 Chevrolet Spark Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,591$466
17$5,315$443
18$4,574$381
19$4,238$353
20$3,204$267
21$3,051$254
22$2,702$225
23$2,291$191
24$2,138$178
25$1,730$144
30$1,580$132
35$1,548$129
40$1,500$125
45$1,420$118
50$1,356$113
55$1,260$105
60$1,260$105
65$1,342$112
70$1,484$124
75$1,794$150
80$2,216$185

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Chevrolet Spark trim levels.