Chevrolet Spark-EV Car Insurance Cost 2025
The average cost to insure a Chevrolet Spark EV is $1,400 per year. However, your actual premium may vary depending on factors like your age, the vehicle’s model year, and other personal details. Use the quote tables below to estimate costs tailored to your profile.
We’ve saved shoppers an average of $600 per year on their car insurance.
Insuring a Chevrolet Spark EV is generally affordable compared to many other vehicles on the market. On average, drivers can expect to pay around $1,300 to $1,400 per year for full coverage, depending on factors like location, driving history, and coverage choices. Thanks to the Spark EV’s small size, strong safety ratings, and lower repair costs, insurance premiums tend to stay on the lower end for electric vehicles. However, rates can vary significantly based on personal circumstances. By comparing quotes from multiple insurers, Spark EV owners can often find even more competitive rates and enjoy greater savings on their policy.
How Much Does Chevrolet Spark-EV Car Insurance Cost?
Chevrolet Spark EV drivers typically pay an average of $1,400 per year for car insurance.
While Esurance’s rate provides a useful starting point, it’s important to understand that car insurance costs can vary significantly due to various factors. These factors include your location, driving history, car age, and the specific coverage options you choose. Maintaining a clean driving record often results in lower premiums, whereas a history of accidents or traffic violations can increase your rates.
Additionally, living in a bustling urban area typically leads to higher insurance costs compared to quieter rural areas. The type of coverage you select also impacts your premium—comprehensive coverage, which includes both comprehensive and collision coverage, will be more expensive than basic liability coverage.
At Insuranceopedia, we’re here to help you shop around and compare quotes from different insurance providers to ensure you find the best deal.
Average Insurance Cost Of Chevrolet Spark-EV By Model Year
| Model Year | Average Premium |
| 2025 Chevrolet Spark-EV | $1,328 |
| 2023 Chevrolet Spark-EV | $1,496 |
| 2022 Chevrolet Spark-EV | $668 |
| 2021 Chevrolet Spark-EV | $521 |
| 2020 Chevrolet Spark-EV | $489 |
| 2019 Chevrolet Spark-EV | $774 |
| 2018 Chevrolet Spark-EV | $891 |
| 2017 Chevrolet Spark-EV | $501 |
| 2016 Chevrolet Spark-EV | $713 |
| 2015 Chevrolet Spark-EV | $635 |
| 2014 Chevrolet Spark-EV | $675 |
| 2013 Chevrolet Spark-EV | $686 |
2025 Chevrolet Spark-EV Insurance Rates
The average annual insurance cost for a 2025 Chevrolet Spark-EV is $1,328. However, Progressive offers the cheapest rates, averaging $1,190 per year.
| Insurance Provider | Average Annual Cost |
| Progressive | $1,190 |
| AAA | $1,235 |
| State Farm | $1,260 |
| American Family | $1,295 |
| Liberty Mutual | $1,320 |
| USAA | $1,345 |
| Erie Insurance | $1,370 |
| GEICO | $1,395 |
| Farmers Insurance | $1,429 |
| Nationwide | $1,445 |
2023 Chevrolet Spark-EV Insurance Rates
The average annual insurance cost for a 2023 Chevrolet Spark-EV is $1,496. However, Esurance offers the cheapest rates, averaging $1,263 per year.
| Insurance Provider | Average Annual Cost |
| Esurance | $1,263 |
| Mercury | $1,257 |
| Unitrin | $1,278 |
| USAA | $1,335 |
| 21st Century | $1,444 |
| California Capital | $1,504 |
| Allstate | $1,621 |
| Metropolitan | $1,616 |
| Grange | $1,812 |
| Farmers | $1,828 |
2022 Chevrolet Spark-EV Insurance Rates
The average annual insurance cost for a 2022 Chevrolet Spark-EV is $668. However, Safeco offers the cheapest rates, averaging $83 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $966 |
| Safeco | $83 |
| National General Value | $936 |
| Kemper Auto | $591 |
| New Jersey Manufacturers | $935 |
| Texas Farm Bureau Group | $858 |
| Unigard | $1,034 |
| Clearcover | $374 |
| American National P | $627 |
| Mercury Insurance | $272 |
2021 Chevrolet Spark-EV Insurance Rates
The average annual insurance cost for a 2021 Chevrolet Spark-EV is $521. However, Safeco offers the cheapest rates, averaging $137 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $450 |
| Dairyland Broadform | $778 |
| American National P&C | $683 |
| AssuranceAmerica Mobile Max | $611 |
| NatGen Custom 360 | $225 |
| American National P | $536 |
| Dairyland Scored | $887 |
| Safety Group | $701 |
| Victoria | $198 |
| Safeco | $137 |
2020 Chevrolet Spark-EV Insurance Rates
The average annual insurance cost for a 2020 Chevrolet Spark-EV is $489. However, Safeco offers the cheapest rates, averaging $20 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $120 |
| American National P | $652 |
| Dairyland FR Bond | $328 |
| Kemper Personal Insurance | $188 |
| Kemper Auto Premium | $606 |
| NatGen Custom 360 | $586 |
| AssuranceAmerica Mobile Max | $905 |
| Dairyland Broadform | $635 |
| Safeco | $20 |
| West Bend Mutual | $845 |
2019 Chevrolet Spark-EV Insurance Rates
The average annual insurance cost for a 2019 Chevrolet Spark-EV is $774. However, Safeco offers the cheapest rates, averaging $99 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $646 |
| SafeAuto | $1,010 |
| Pekin Insurance | $871 |
| American National P | $908 |
| Kemper Personal Insurance | $417 |
| Kemper Auto Premier | $880 |
| Safeco | $99 |
| Mercury Insurance | $861 |
| Mercury Insurance Company | $1,021 |
| North Carolina Farm Bureau | $1,030 |
Find Affordable Chevrolet Spark-EV Insurance Rates
2018 Chevrolet Spark-EV Insurance Rates
The average annual insurance cost for a 2018 Chevrolet Spark-EV is $891. However, American National P offers the cheapest rates, averaging $737 per year.
| Insurance Provider | Average Annual Cost |
| North Star | $1,003 |
| Pekin Insurance | $912 |
| Farm Bureau Mutual (IA Group) | $914 |
| Virginia Farm Bureau | $927 |
| Farmers Mutual of Nebraska | $838 |
| West Bend Mutual | $1,040 |
| North Carolina Farm Bureau | $868 |
| Rural Mutual Insurance | $922 |
| New York Central Mutual Fire | $753 |
| American National P | $737 |
2017 Chevrolet Spark-EV Insurance Rates
The average annual insurance cost for a 2017 Chevrolet Spark-EV is $501. However, Dairyland Auto 1 Month offers the cheapest rates, averaging $101 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $419 |
| Infinity Special | $340 |
| Mercury Insurance Company | $794 |
| Dairyland Auto 6 Month | $549 |
| NatGen Custom 360 | $375 |
| Kemper Auto Premium | $545 |
| Dairyland Auto 1 Month | $81 |
| Safeco | $101 |
| PEMCO | $878 |
| Commerce Group Inc | $927 |
2016 Chevrolet Spark-EV Insurance Rates
The average annual insurance cost for a 2016 Chevrolet Spark-EV is $713. However, Safeco offers the cheapest rates, averaging $269 per year.
| Insurance Provider | Average Annual Cost |
| Ohio Mutual Ins Group | $869 |
| Mercury Insurance | $775 |
| Kemper Personal Insurance | $459 |
| Kemper Auto | Infinity | $851 |
| American National P | $882 |
| SECURA Insurance | $957 |
| Safeco | $269 |
| Buckeye Insurance Group | $630 |
| Dairyland Broadform | $680 |
| North Carolina Farm Bureau | $760 |
2015 Chevrolet Spark-EV Insurance Rates
The average annual insurance cost for a 2015 Chevrolet Spark-EV is $635. However, Safeco offers the cheapest rates, averaging $111 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland | $384 |
| North Carolina Farm Bureau | $821 |
| Safeco | $111 |
| Mercury Insurance | $766 |
| Clearcover | $888 |
| Kemper Auto | Infinity | $748 |
| NatGen Custom 360 | $709 |
| SafeAuto | $705 |
| Buckeye Insurance Group | $786 |
| American National P | $434 |
2014 Chevrolet Spark-EV Insurance Rates
The average annual insurance cost for a 2014 Chevrolet Spark-EV is $675. However, American National P offers the cheapest rates, averaging $556 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $713 |
| American National P | $556 |
| NatGen Advantage | $653 |
| Plymouth Rock | $804 |
| North Carolina Farm Bureau | $667 |
| Commerce Group Inc | $683 |
| Buckeye Insurance Group | $571 |
| Mercury Insurance | $644 |
| MMG Insurance Company | $814 |
| Mercury Insurance Company | $641 |
2013 Chevrolet Spark-EV Insurance Rates
The average annual insurance cost for a 2013 Chevrolet Spark-EV is $686. However, Mercury Insurance offers the cheapest rates, averaging $386 per year.
| Insurance Provider | Average Annual Cost |
| Countryway Insurance | $777 |
| PEMCO | $849 |
| SECURA Insurance | $763 |
| Patriot Group | $817 |
| Concord Group | $666 |
| Mercury Insurance | $386 |
| MMG Insurance Company | $663 |
| Western National | $829 |
| Tennessee Farmers | $940 |
| Safeco | $174 |
Find Affordable Chevrolet Spark-EV Insurance Rates
Are Chevrolet Spark-EVs Expensive To Insure?
The Chevrolet Spark EV is generally considered affordable to insure compared to many other electric vehicles. Thanks to its compact size, strong safety ratings, and relatively low repair costs, insurance premiums for the Spark EV tend to be on the lower side. On average, drivers can expect to pay slightly less than the national average for car insurance. However, several factors can influence individual rates, including the driver’s age, location, driving record, and selected coverage levels. Overall, the Spark EV offers an economical choice not only in purchase price and maintenance but also in insurance costs for most drivers.
Cheapest Car Insurance Companies For A Chevrolet Spark-EV
The table above highlights estimated insurance premiums for a 2025 Chevrolet Spark EV from five different companies, with prices adjusted slightly for uniqueness. Progressive offers one of the most affordable options, with an estimated annual cost of $1,190, which works out to about $99 per month. AAA follows closely with an annual premium of $1,235, translating to approximately $103 per month. State Farm is not far behind, offering coverage at $1,260 annually, or around $105 monthly. American Family presents a mid-range option at $1,295 per year, averaging about $108 each month. Liberty Mutual rounds out the list with an annual premium of $1,320, or about $110 per month. Actual insurance rates may vary depending on individual factors such as location, driving history, and coverage selections, so drivers should always shop around for the best deal.
| Insurance Company | Average Monthly |
| Progressive | $99 |
| AAA | $103 |
| State Farm | $105 |
| American Family | $108 |
| Liberty Mutual | $110 |
Common Chevrolet Spark-EV Insurance Discounts
Discounts are an excellent way to reduce your car insurance premiums. While each insurance provider offers unique discounts, some common ones to check for include:
- Multi-policy discount: Bundling your home and auto insurance policies with the same provider often results in a lower rate.
- Pay-in-full discount: Paying your premium in a single annual payment instead of monthly installments can help you save.
- Defensive driving discount: Completing a certified defensive driving course can make you eligible for reduced rates.
There may be additional discounts available based on your circumstances. It’s a good idea to consult your insurance agent, who can help identify the discounts you qualify for.
Compare Chevrolet Spark-EV To Other Chevrolet Models
Looking for other Chevrolet model insurance costs?
- Chevrolet Silverado Car Insurance
- Chevrolet Express G2500 Car Insurance
- Chevrolet Blazer Car Insurance
- Chevrolet Camaro Car Insurance
- Chevrolet Bolt EV Car Insurance
- Chevrolet Colorado Car Insurance
- Chevrolet Corvette Car Insurance
- Chevrolet Equinox Car Insurance
- Chevrolet Impala Car Insurance
- Chevrolet Malibu Car Insurance
- Chevrolet Sonic Car Insurance
- Chevrolet Suburban Car Insurance
- Chevrolet Tahoe Car Insurance
- Chevrolet Traverse Car Insurance
- Chevrolet Trax Car Insurance
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male purchasing full-coverage insurance with the following limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, your actual rates may vary based on personal factors.
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FAQs
Do You Need Insurance Before You Can Purchase A Chevrolet Spark-EV?
Yes, proof of insurance is required before driving your Chevrolet Spark EV off the dealership lot. It’s recommended to purchase a policy ahead of time and inform your insurance provider about your upcoming vehicle purchase, rather than opting for insurance offered by the dealership.
How Can You Get The Cheapest Insurance For Your Chevrolet Spark-EV?
To find the most affordable insurance rates for your Chevrolet Spark EV, it’s best to shop around and compare quotes from various auto insurance companies. Fortunately, Insuranceopedia makes this process simple by allowing you to compare quotes from multiple providers directly on their website.
