Dacia Spring insurance cost UK 2026

What does it cost to insure a Dacia Spring?

The Dacia Spring — the UK’s cheapest new car and cheapest electric car, priced from about £14,995 (or roughly £11,245 after the 2026 Electric Car Grant of up to £3,750) — averages around £590 a year to insure comprehensively, about £54 a month on instalments. That is a little below the £650 typical electric car insurance cost in 2026 and close to the £719 all-ages UK average across all cars. Recorded quotes span roughly £480 to over £1,300 depending on driver age, postcode and trim.

The headline surprise is the insurance group. Despite being the cheapest car on sale, the Spring sits in groups 24 to 28 on the 1–50 Thatcham scale — far higher than the petrol Dacia Sandero (groups 2–17). Three EV-specific factors push the group up even though the car itself is low-value and low-powered:

• Battery repair risk. The Spring carries a traction battery worth several thousand pounds; even minor underbody damage can threaten it, and a full EV battery replacement averages over £7,000. Insurers price that tail risk into the group.
• Specialist EV repairs. Electric drivetrains need trained technicians and take longer to fix, so labour and total-loss rates run about 25% higher than an equivalent petrol supermini.
• Limited claims history and parts. As a newer, lower-volume model, the Spring has a thinner UK claims record and a smaller parts supply, both of which nudge the group rating upward.

The good news: because the car’s value and performance are so low (33–75kW, 0–62mph in 11–14 seconds), real-world premiums stay modest — the high group is offset by a cheap write-off payout and a low-risk performance profile. Here is how the cost breaks down by driver age.

Dacia Spring insurance group by trim

Every Spring is a five-door automatic EV, and the range is narrow, so the group spread is tight. The lowest-powered Expression 45 is the cheapest to cover; the punchier 100hp Extreme is the priciest. All still sit far above the petrol Sandero’s groups because of the EV factors above — see our insurance groups guide for how the 1–50 scale works.

• Expression 45 (33kW / 27kWh) — group 24 — the cheapest Spring to insure
• Expression 65 (48kW) — group 25
• Expression 70 (52kW) — group 25
• Extreme 65 (48kW) — group 25
• Extreme 100 (75kW) — group 28 — the most expensive Spring to insure

The difference between the group 24 entry car and the group 28 top trim is real but modest — typically £40–£90 a year for the same driver. If the lowest premium matters more than 0–62mph time, the Expression 45 is the one to quote. For a wider view of which EVs cost least to cover, see our ranking of the best electric cars by insurance cost.

Six ways to insure a Dacia Spring more cheaply

1. Quote the Expression 45. The 33kW entry car sits in group 24 rather than 28 and is the cheapest Spring to cover — worth £40–£90 a year over the top Extreme trim for the same driver.
2. Pay annually, not monthly. Settling the £590 in one payment avoids the finance APR baked into instalments, often 20–30% more over the year.
3. Build and protect no-claims discount. Five claim-free years can cut a premium 60–70%; the age curve above shows how much experience is worth on this car.
4. Try telematics. A black box or app rewards careful, lower-mileage driving — a strong fit for the Spring’s short-hop city use and a big lever for younger drivers. See black box insurance for young drivers.
5. Raise your voluntary excess — sensibly. Moving from £150 to £500 typically trims 8–15%, but only commit to an excess you could actually pay on a claim.
6. Add an experienced named driver. A low-risk older driver can lower a young owner’s price 10–20% — but never list them as the main driver when they are not (“fronting” is fraud that voids the policy).

Compare widely too — quotes for the same Spring vary by hundreds between insurers. See how it sits against every other model in our UK car insurance cost index.

Dacia Spring insurance: FAQs