What is the price of insurance for your electric car

However, if you are injured or your electric car is damaged, you will not be compensated.
This is why it is recommended to contract a Electric car insurance with extensive guarantees, like driver protection, or even a “All risks” formula insurance, which includes the flight, fire, ice breaker and damage warranty warranty.

What insurance for an electric car ?

You have acquired an electric car or you have the project ? Among the points to be taken into consideration to plan the budget, you must think about the purchase price of the electric car by taking into account purchase aid), the price of electricity, but also that of the Electric car insurance. All companies now have specific insurance offers for electric vehicles.

Is the insurance of an electric car compulsory ?

Like any motor vehicle, the electric car must be ensured. The strict minimum compulsory is civil liability insurance, which covers the material, bodily and intangible damage that you cause to third parties. We sometimes nickname her “third party insurance”. If you are responsible for an accident behind the wheel of your electric car, the damage caused on a pedestrian, a passenger, another vehicle or public and private goods are taken care of by the liability insurance.

However, if you are injured or your electric car is damaged, you will not be compensated.
This is why it is recommended to contract a Electric car insurance with extensive guarantees, like driver protection, or even a “All risks” formula insurance, which includes the flight, fire, ice breaker and damage warranty warranty.

What is the best insurance for an electric car ?

Clean Automobile and Assurland invite you to compare auto insurance contracts to find the best offer. To do this, simply fill out the following form and let yourself be guided !

Electric vehicle insurance cost less ?

Offers and guarantees offered by insurers for electric cars are generally the same only for thermal, petrol or diesel vehicles. However, the insurance of an electric car is generally cheaper !

Of course, it all depends on the models, but according to a recent comparison of the platform, it appears that third -party insurance costs on average € 405 per year for an electric car, against € 534 per year all cars combined. All risk insurance amounts to € 670 among electric cars users against € 823 on average for all vehicles.

Average car insurance price	Average electric car insurance price
Third -party insurance	534 €	405 €
Back to back insurance	823 €	670 €

To explain these differences, it is necessary to take into account the measure of the Citizen Convention for the Climate, in force since January 1, 2021. The insurance subscription is exempt from the Special Tax on Insurance Conventions (TSCA) for all electric vehicles until 12/31/2023.

In addition, investigations showing for the moment that electric cars are generally less involved in accidents than thermal cars, insurers can offer lower prices. And who knows, perhaps they start from the principle that the drivers concerned with the environment have a quieter driving ?

What price to ensure an electric car ?

As we explained to you above, The amount of the insurance of an electric car oscillates on average between 405 and € 670 per year.

You have a charging station at home ? Ask your car insurer: you may have to pay an additional option to ensure it.

If the charging station is fixed to the wall, it is generally covered by your home insurance. But if you have installed the charging station for your electric car outside, you will certainly have to subscribe to an option to be covered by insurance.

Watch out for the cost of the breakdown !

If you start in the electric world, you may suffer from “the anxiety of the breakdown”. While waiting to have enough recharge experience to be reassured, know that there is assistance/troubleshooting guarantee in case you have a small glitch on the road.

Clean Automobile is a community information site that is dedicated to everything related to the automobile and the environment. The most popular themes of our Auto Blog are the electric car and hybrids, but we also approach the GNV / GPL car, hydrogen car, political and environmental aspects related to the automobile. Internet users are invited to react to blog articles in the comments, but also in the various forums that are made upon them. The most popular of them is certainly the electric car forum which centralizes discussions relating to the arrival of these new vehicles. A lexicon centralizes the definitions of the main technical words used on the blog, while a database of cars (marketed or not) lists electric and hybrid cars.

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What is the price of insurance for your electric car ?

If electric cars can cost more than conventional thermal models, they are a lot more economical in the long term. Indeed, in addition to the savings made on fuel, you also benefit from cheaper auto insurance. Discover The price of insurance for your electric car.

Summary

How much is the car insurance for an electric vehicle ?

• Renault Zoé: € 595/year;
• Nissan Leaf: € 606/year;
• Kia Niro: € 709/year;
• Peugeot 208 II: € 714/year;
• Tesla Model S: € 1027/year.

Different parameters influence the price of car insurance, in particular:

• The type of car : for example, the insurance contract of a Renault Zoé is less expensive than that of a Tesla, and the new and used cars ensure differently;
• Insurance formulas and subscribed guarantees : of course, a third party formula will cost less than all risks insurance;
• The driver’s profile : the insurance premium of the young driver is generally higher compared to that of a father;
• Driver’s history and bonus-malus ;
• The driver’s place of residence ;
• The use of the car : motorists who carry out a low monthly mileage can benefit from lower prices.

Evaluate your savings by switching to electric

In less than a minute, I estimate the savings made on my fuel budget by switching to electric

Entering an electric car costs less than a thermal car

Benefit from a Cheap auto insurance is among the advantages of the electric car. Indeed, the cost of insurance remains lower than that of conventional thermal vehicles. You can make 5 to 50 % savings on the annual subscription Compared to insurance car or diesel insurance offers.

Indeed, the autonomy of electric cars being limited, they roll slower and make shorter journeys, which reduces the risk of accident. So with an electric car, The claims are much less numerous. At the same time, mostly vehicle followers are for the most part Concerned about the environmental impact of driving and as such adopt more responsible behavior behind the wheel.

Moreover, insurance companies tend to encourage mobility sustainable by offering discounts on insurance contracts for electric vehicles.

Now is the time to think of a load mode for your vehicle. We highly recommend the installation of a home charging station. You can calmly recharge your car at night.