The cost of insuring an electric car varies depending on your personal circumstances, and other factors such as the make and model of your car.
| Vehicle fuel type | Average cost*** |
|---|---|
|
Electric
|
£607
|
|
Petrol
|
£733 |
|
Diesel
|
£732 |
***Confused.com data, March - May 2026. Comprehensive policies only.
Electric car insurance costs £607*** on average. But there are a variety of factors that determine what you pay for your policy, so exactly what you pay may differ.
You may find that you pay more than this. And there are a few reasons why:
Most electric cars have only been available on the market for a few years. This makes them more expensive to buy, and can also make them expensive to insure.
EVs have more specialist parts compared to hybrid or petrol/diesel cars. They may also require specialist servicing - leading to an increase in the cost of your electric car insurance policy.
But you might find you pay less. There are reasons for this too:
By comparing electric car quotes, you'll be able to see how much you'll pay for your insurance.
Everything you expect from your standard car insurance cover is included in an electric car policy. But you may get additional features too.
Exactly what these features are can differ from provider to provider, but we’ve listed a few common ones below. To see what you're covered for, give your policy documents a check.
Customers comparing car insurance quotes can save up to £511* when they buy through Confused.com.
We'll send you reminders when your policy is due for renewal. This way you can compare quotes to find the best deal at the best time!
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (April '26). 51% of Confused.com car insurance customers could save £511.52
We work together with our insurance partners to get the best deals and exclusive discounts so you can save even more.
Choose a free reward, and get 12 hot drinks at Greggs on us when you buy electric car insurance**
Just like a diesel or petrol car, the car insurance group your car falls into will depend on the make and model.
Because many electric cars have specialist parts and are expensive to repair, you can expect to find electric cars among the higher insurance groups.
Generally, the higher the group, the more your car insurance will cost. You can find out what group your electric car is in by visiting the Thatcham group checker.
To give you an idea, we’ve summarised the groups for some of the top selling electric cars in the UK. The groups shown cover all specifications and years of each model:
| Make and Model | Group |
|---|---|
|
BMW I3
|
21 - 29
|
|
Nissan Leaf
|
21 - 28
|
|
Renault ZOE
|
14 - 25
|
|
Tesla Model S
|
50
|
|
Volkswagen E-Golf
|
19 - 26
|
|
Skoda Enyaq
|
22-38
|
9/50
"Cover for electric cars is widely available, but make sure your policy includes protection for your charging cables and battery, even if you lease the battery separately.
"It's also worth shopping around, as not all insurers specialise in electric vehicles, so comparing quotes can help you find the right fit."
Covers you if you use your car for work, including travelling between offices or across the country.
Lets you prove you're a safe driver, and save money on your policy, even if you're inexperienced or seen as high risk.
Yes, you can transfer your existing car insurance policy to an electric car. This is provided your insurer can cover the make and model of the vehicle you are transferring your policy to.
You must contact your provider to transfer your policy, doing this is likely to change the cost of your insurance. It's worth checking your policy covers everything you need it to.
If it doesn't, you can consider cancelling - but you may incur a cancellation fee. You'll then be able to compare quotes to find a policy that suits your needs.
Electric vehicles that run solely by a battery that is charged from an external source, are exempt from road tax.
Confusingly though, you still have to tax your car, even if it's zero-rated and there's no tax to pay.
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