Electric car insurance from 130+ trusted UK insurers. EV premiums are fallingℹThe average EV insurance premium is around £654, compared to £551–£607 for petrol and diesel vehicles. The gap has narrowed from around £176 in early 2024 to roughly 10–20% by 2025. Source: ABI Motor Insurance Premium Tracker, Q3 2025.. Compare quotes in minutes and find cover for your electric vehicle.
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The average cost of electric car insurance in the UK is around £654 per year, compared to £551–£607 for petrol and diesel vehicles. The gap is narrowing — EV premiums have dropped significantly as more electric cars join UK roads and repair networks expand.
~£654
Average annual EV insurance premium
10–20%
Typical premium difference vs petrol/diesel
1.88m+
Electric cars now on UK roads
Source: ABI Motor Insurance Premium Tracker; Zapmap UK EV Statistics 2026
Electric car insurance has traditionally cost more, but all the factors driving higher premiums are improving as the market matures.
The battery can make up 30–50% of an EV's value. Replacement costs of £5,000–£15,000+ are factored into premiums, though full replacements are rare.
EVs need qualified technicians. Fewer EV-trained mechanics means longer repairs and higher labour costs, though this is improving.
Electric cars typically cost more than equivalent petrol models, increasing repair and replacement costs.
Many EVs sit in higher insurance groups. However, some affordable models now sit in groups 1–10.
There are several effective ways to reduce the cost of insuring your electric vehicle.
Compare quotes from multiple insurers. EV insurance pricing varies widely between providers. Comparing quotes is the single most effective way to find a competitive price.
Choose an EV in a lower insurance group. Models like the VW e-Up (group 1–5) and VW ID.3 (group 15–25) are significantly cheaper to insure than premium EVs. See our guide to the cheapest cars to insure.
Build your no claims bonus. Each claim-free year reduces your premium. Protect your bonus once you have several years built up.
Improve your vehicle security. Parking in a garage or on a driveway and fitting a tracker could help reduce your premium.
Consider telematics insurance. Black box policies reward safe driving. EVs tend to encourage smoother driving styles, making telematics a good fit for electric car owners.
Report your mileage accurately. Lower annual mileage could mean lower premiums — always ensure you are being truthful on your policy.
Pay annually. Monthly payments add 20–30% in interest. Paying upfront saves significantly.
Read our full guide on how to lower your car insurance premium →
Make sure your policy covers the battery against accidental damage, fire, and theft — whether you own it outright or lease it.
Your home charger and cables can cost hundreds to replace. Check whether your policy covers theft and damage at home and while charging out.
Standard breakdown recovery may only tow you to a garage. Some policies include recovery to the nearest charging point instead.
Most EV owners choose fully comprehensive, which is often the cheapest option. Third party only would leave you exposed given the high value of electric vehicles.
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 →See if you can find competitive cover for your EV from 130+ trusted UK insurers.
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Find answers to common questions about electric car insurance in the UK.
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