Electric cars are up to a third cheaper when it comes to insurance

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

Union

bmw i3

Union

Union

renault zoe

Union

Union

VW e-Golf 7

Union

Union

Vauxhall Corsa and

Union

Union

Smart equalizer for two

Union

Union

Porsche Taycan 4S

Union

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.

bmw 118i

The BMW 1er costs a good 240 euros more in insurance than the i3 in the comparison engine.

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

BMW iX xDrive50

BMW iX

RRP from EUR 77,300, savings: up to EUR 14,159

Kia EV6

Kia EV6

RRP from EUR 44,990, savings: up to EUR 14,069 / Leasing from EUR 239

Mercedes EQS 580 4Matic

mercedes eqs

RRP from EUR 97,807, savings: up to EUR 6,152

hyundai ioniq 5

hyundai ioniq 5

RRP from EUR 41,900, savings: up to EUR 12,594 / leasing from EUR 299

Audi Q4 e-tron 40

Audi Q4 etron

RRP from EUR 41,900, savings: up to EUR 12,420 / best rental price: EUR 89

Skoda Enyaq iV80

Skoda Enyaq IV

RRP from EUR 34,600, savings: up to EUR 12,390 / Leasing from EUR 233

Mazda MX-30

Mazda MX-30

RRP from EUR 34,490, savings: up to EUR 12,756 / Leasing from EUR 197

Fortwo Smart Equalizer

Smart equalizer for two

RRP from EUR 21,940, savings: up to EUR 11,430 / Leasing from EUR 60

tesla model 3

tesla model 3

RRP from 46,560 euros; Savings up to EUR 9,570 / Leasing from EUR 275.00

Opel Corsa-e

Opel Corsa-e

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.

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