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.

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Updated: 26 April 2025
Written by Bob Phillips
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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

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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

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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.

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.

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