provide electric cars several ways to save: In addition to the subsidy bonus, the tax exemption and, starting next year, the trading of pollution certificates, they also have an advantage in terms of insurance. This resulted in a study from the comparison portal Verivox. although for electric cars often clearly higher purchase prices are paid, the annual insurance premiums partially clear lower.
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For analysis, Verivox has the insurance costs (Responsibility and comprehensive insurance) for a electric car and a comparable vehicle model with conventional driving considered (to the insurance guide of AUTO BILD and Verivox). The evaluation includes approx. 400 fare offers from above 70 insurers. Otherwise, all general conditions were identical, six pairs of vehicles were tested. The average premiums of the five cheapest rates were evaluated.
Comparison of car insurance e-car / combustion engine
VW e-Golf 7
Vauxhall Corsa and
Smart equalizer for two
Porsche Taycan 4S
Opel Corsa 1.2 (Model F)
The result: all things being equal, insurance for a Stromer depends on the model 20 to 34 percent cheaper. Depending on the model, electric car drivers pay in the examined test cases between 65 and 242 euros per year less than owners of comparison vehicles.
Why are electric cars so cheap to insure?
“At first glance, it may seem surprising that the most expensive electric vehicles can be insured more cheaply, but we have been observing this for some time. To position ourselves in the new growing market, give some suppliers for electric car insurance attractive discounts“, says Wolfgang Schütz, Managing Director of Verivox Versicherungsvergleich GmbH. Whether just one time trend The acts remain to be seen. “Electric vehicles have recently been sold in large numbers,” says Schütz. “So it’s quite possible that in the next few years, when insurers have more comprehensive damage statistics, there will be even bigger price jumps in electric car rates.”
Selected products in tabular overview
RRP from EUR 77,300, savings: up to EUR 14,159
RRP from EUR 44,990, savings: up to EUR 14,069 / Leasing from EUR 239
RRP from EUR 97,807, savings: up to EUR 6,152
hyundai ioniq 5
RRP from EUR 41,900, savings: up to EUR 12,594 / leasing from EUR 299
Audi Q4 etron
RRP from EUR 41,900, savings: up to EUR 12,420 / best rental price: EUR 89
Skoda Enyaq IV
RRP from EUR 34,600, savings: up to EUR 12,390 / Leasing from EUR 233
RRP from EUR 34,490, savings: up to EUR 12,756 / Leasing from EUR 197
Smart equalizer for two
RRP from EUR 21,940, savings: up to EUR 11,430 / Leasing from EUR 60
tesla model 3
RRP from 46,560 euros; Savings up to EUR 9,570 / Leasing from EUR 275.00
RRP from €30,400; Saving up to 11920.00 EUR
Therefore, anyone who buys an e-mobile should pay close attention in the years to come. how costs evolve and if necessary change of insurance, if the supplier itself raises prices. Whether electric car or combustion engine: The price differences in car insurance are huge. best deals are on average approx. 30 to 40 percent cheaper than the rates in the middle price segment, so the comparison is worthwhile (this is how the contract is terminated correctly).
Should you also insure the battery in an e-car?
In an electric car it is battery pack that from afar most expensive component. He must be insured accordingly. Proper protection is particularly important damages by a short circuit or an animal bite. Similarly should surge damage be covered by lightning.