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Compare electric car insurance quotes from trusted UK insurers via Brumble. EV insurance prices are falling - you could find cheap electric car insurance in minutes.
Compare EV InsuranceFill in a short form with your details, your electric or hybrid vehicle, and your driving history. It takes around 3 minutes.
The comparison tool searches prices from leading UK insurers who cover electric and hybrid vehicles, including battery and charging cable protection.
Review your personalised EV insurance quotes, compare cover levels, and choose the policy that fits your needs and budget.
With over 1.88 million fully electric cars now on UK roads[1], electric vehicle insurance is one of the fastest-growing areas of the car insurance market. The good news for EV drivers is that the price gap between electric and petrol car insurance is shrinking every year - and comparing quotes via Brumble is one of the quickest ways to potentially find cheap electric car insurance that gives you the cover you want.
The average cost of electric car insurance in the UK is around £654 per year, though this varies widely depending on the model you drive[2]. Smaller, more affordable EVs like the Volkswagen ID.3 or Mini Cooper Electric can be insured from around £400 a year, while premium models like the Tesla Model Y or Mercedes EQC can push past £1,000[2].
By comparison, the average UK car insurance premium across all fuel types is around £551 - £607 (late 2025 / early 2026)[3]. So while EVs do still cost more to insure, the gap has narrowed significantly. At the start of 2024, the difference between electric and petrol car insurance was around £176. By 2025 - 2026, the gap has closed to roughly 10 - 20% for many models[2].
| Vehicle Type | Average Annual Premium | Difference |
|---|---|---|
| Petrol / Diesel | £551 - £607 | — |
| Electric Vehicle | ~£654 | ~10 - 20% more |
| Hybrid / PHEV | Similar to petrol | Varies by model |
Prices are falling. EV insurance premiums have been dropping as more electric cars join UK roads, more mechanics get EV-qualified, and insurers gain real-world claims data. If you haven't compared electric car insurance quotes recently, now is a great time to check.
Electric car insurance has traditionally cost more than cover for petrol or diesel vehicles. There are a few key reasons for this, though all of them are improving as the market matures.
The battery is the most expensive part of an electric car, often making up 30 - 50% of the vehicle's total value. If it is damaged in an accident, replacement can cost anywhere from £5,000 to £15,000 or more[4]. Insurers factor this into their pricing, even though full battery replacements are rare.
EVs need technicians with specific training. There are fewer qualified EV mechanics than those who work on petrol cars, which can mean longer repair times and higher labour costs. This pushes up the average insurance claim value for electric vehicles. The good news is that more garages are becoming EV-qualified every year, which is helping to bring costs down.
Electric cars tend to have higher purchase prices than equivalent petrol models, which means they cost more to repair or replace. As EV prices continue to fall - driven by competition and improved battery technology - this factor is becoming less significant.
Many electric vehicles sit in higher car insurance groups due to their performance, value, and repair costs. However, some affordable EVs now sit in groups as low as 1 - 10, making them very competitive to insure. More on this below.
If you are buying an electric car and want to keep insurance costs low, the model you choose makes a big difference. These are some of the cheapest EVs to insure in the UK based on recent data[2][5]:
| Model | Typical Annual Premium | Insurance Group |
|---|---|---|
| Volkswagen ID.3 | From ~£400 - £478 | 15 - 25 |
| Volkswagen e-Up! | From ~£420 | 1 - 5 |
| Mini Cooper Electric | From ~£430 | 20 - 30 |
| Nissan Leaf | From ~£430 | 18 - 28 |
| Vauxhall Corsa Electric | From ~£460 | 20 - 28 |
At the other end of the scale, premium EVs like the Tesla Model Y and Mercedes EQC can cost over £1,000 a year to insure. If you are still deciding which EV to buy, checking the insurance group before you commit can save you hundreds of pounds. Our cheapest cars to insure guide covers this in more detail.
Electric car insurance works the same way as standard car insurance - you can choose from third party only, third party fire and theft, or fully comprehensive cover. Most EV owners go with comprehensive, which is often the cheapest option anyway. But there are a few extra things worth checking when you compare electric car insurance quotes:
Make sure your policy covers the battery against accidental damage, fire, and theft. This is essential whether you own the battery outright or lease it. Some insurers include battery cover as standard, others do not.
Your home charging cable and wallbox charger can cost several hundred pounds to replace. Check whether your policy covers these against theft and damage, both at home and while you are out charging.
If your EV runs out of charge, standard breakdown recovery may only tow you to a garage. Some policies and breakdown add-ons include recovery to the nearest charging point instead, which is far more useful for electric car drivers.
If your car is being repaired after a claim, some insurers offer an electric courtesy car rather than a petrol one. This is worth looking for if you have committed fully to electric driving and do not have access to a home petrol vehicle.
Hybrid car insurance. If you drive a plug-in hybrid (PHEV), most insurers treat your vehicle the same as a fully electric car for insurance purposes. Make sure your policy still covers the battery, charging cables, and any electric-specific components.
There are several practical ways to reduce what you pay for electric vehicle insurance:
Compare quotes from multiple insurers. This is the single most effective thing you can do. EV insurance pricing varies widely between providers, so comparing quotes via Brumble lets you see competitive prices from over 130 UK insurers in one place.
Choose an EV in a lower insurance group. As the table above shows, some electric cars cost significantly less to insure than others. If you have not bought your EV yet, checking the insurance group first could save you hundreds a year.
Increase your voluntary excess. Agreeing to pay a higher excess if you claim can reduce your premium. Just make sure you can afford the total excess amount.
Improve your vehicle's security. Keeping your EV in a garage or on a driveway may help. Fitting a tracker or additional immobiliser can also help reduce your premium.
Build your no claims bonus. Each claim-free year lowers your premium. If you have several years built up, consider protecting your no claims bonus.
Pay annually. Spreading the cost with monthly payments can add 20 - 30% in interest. If you can afford to pay upfront, you will save money.
Consider telematics insurance. Black box car insurance rewards safe driving with lower premiums. Because EVs tend to encourage smoother driving styles, telematics can be a particularly good fit for electric car owners.
For more tips, read our full guide on how to lower your car insurance premium.
We have built two free tools to help you understand the real costs and benefits of owning an electric car in the UK:
Work out how much it really costs to charge and run your electric car, and compare it against petrol or diesel.
Try the Calculator →Find out which government grants are available for electric cars, home chargers, and more - updated for 2026.
Check EV Grants →It is easy to compare electric vehicle insurance prices via Brumble. Enter your details once and compare EV insurance quotes from over 130 UK insurers in minutes. Whether you drive a Nissan Leaf, Tesla Model 3, or a plug-in hybrid, you can quickly see which providers offer the best combination of price and cover for your electric car.
We also have in-depth guides to help you make smarter decisions about your EV, including our electric car insurance cost guide, car insurance groups explained, and cheapest cars to insure.
If you're thinking about buying an electric car in 2026, you're probably wondering how much it will cost to insure. Read our detailed guide to find out more.
This guide breaks down everything it costs to run an electric car in the UK in 2026. It covers charging costs across home, public and rapid chargers, with real costs. You will also find the latest road tax rates, insurance averages, and servicing costs compared with petrol cars.
A plain-English guide to every UK grant and incentive available for electric car drivers in 2026. Covers the Electric Car Grant (up to £3,750 off a new EV), home charger grants, the Workplace Charging Scheme, salary sacrifice tax breaks, and local perks like Clean Air Zone exemptions. Use our interactive tool to find out which grants apply to your situation in seconds.
*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd's insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
Find answers to common questions about electric car insurance in the UK.
At Brumble, we cut through the gimmicks and focus on what matters – real quotes from trusted insurers via our partner platform, so you can quickly find the best value cover for your needs.
You could save up to £518*
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