Electric car insurance

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Electric car insurance works in the same way as insurance for petrol or diesel cars. You’ll choose between third-party only, third-party, fire and theft, or fully comprehensive cover.

However, some policies include features specific to electric vehicles (EVs), such as:

cover for the battery
protection for charging cables
cover for your home charger (wallbox)
recovery to the nearest charge point if you run out of charge

Electric car insurance is usually more expensive than standard car insurance because electric vehicles tend to have higher repair costs, more expensive battery components, longer repair times and specialist labour requirements, which increase the risk and cost of claims for insurers.

📣 Did you know?

Electric vehicle (EV) ownership is rising rapidly. Battery electric vehicles accounted for around 26.5%^{^} of new car registrations in 2025, and many analysts expect this number to keep rising as the UK plans to ban the sale of new petrol and diesel cars from 2035.

Average cost of EV insurance:

£572^

This is the average annual price paid by MoneySuperMarket customers in 2026.

Vehicle fuel type	Average annual car insurance price
Electric	£572^{^}
Diesel	£539^{^}
Petrol	£513^{^}

Vehicle price

Some of the most popular electric cars are premium models, such as the Tesla Model Y (the best-selling electric car in the UK in 2024), and their high price tag means they are more expensive to insure, just like high-value diesel and petrol engine vehicles are.

Battery cost

Electric vehicle batteries can be expensive to repair and replace: the average cost of a new battery across all EV models was£7,235.07^{^} in 2024, and this figure does not include the labour costs of changing the car battery.

Although EV batteries generally come with warranties lasting eight to 10 years, such warranties typically only cover manufacturing defects rather than damage caused by incidents like car accidents or general wear and tear

The cost of replacing a battery means that if the battery is damaged it can make financial sense to write the vehicle off entirely, especially for older and less valuable EV models. This greater risk of write-offs leads to higher insurance premiums.

However, battery costs may become less of a factor on electric car insurance over time as electric vehicle battery prices have been getting cheaper over the years.

Used car values

Average values for used electric cars have been falling recently, which can mean in some instances it is uneconomical to repair an electric car, leading to more write-offs.

Parts and labour

A shortage of available parts for electric vehicles and skilled automotive technicians to repair them has contributed to higher insurance premiums.

Repair time

Repair times for electric vehicles are about 14% longer than their equivalent diesel and petrol models, according to research. More time off the road means increased costs, particularly if the insurer is providing a courtesy car.

Technology

Electric cars tend to be equipped with sophisticated technology and advanced safety systems which require specialist knowledge or equipment to repair, and cost more to repair or replace.

Father and daughter charging electric car

Compare quotes

Comparing the price of electric car insurance from multiple providers using a site like MoneySuperMarket can help you to find a cheaper deal as insurers can have different approaches to electric car risk. But make sure you look at what the premium includes, not just the cheapest price, so you don’t miss out on extras such as home charger cover, if you need it.

Pay annually

It usually works out cheaper to pay your electric car insurance premium annually, compared to spreading the cost over 12 monthly payments as it avoids interest charges on monthly instalments

Increase your excess

One of the simplest ways to reduce your electric car insurance cost is to increase your voluntary excess because your insurer has less to pay out.

🚩 Be careful not to increase your excess so much that you can't afford it if you need to make an insurance claim

Choose a smaller electric car

Providers sort car makes and models into different insurance groups, based on factors like safety and performance – cars in lower groups are cheaper to insure. Generally, these are smaller cars. The cheapest electric car to insure in 2024, according our Electric Car Index, was a city car, the Fiat 500 Electric La Prima.

Improve your electric car’s security

Storing your electric car in a locked garage, if possible, rather than parking on the street reduces the risk of theft, and can bring your insurance costs down

Consider your overall running costs

For example, charging your EV at home is usually far cheaper than using public rapid chargers. If you can, install a home charger and charge overnight on a lower tariff.

Although this won't impact your insurance costs directly, it can help offset higher insurance premiums.

Fully comprehensive

✔ Provides the highest cover level for your EV
✔ Usually the cheapest option
✔ Protects against accident damage, repairs, fire damage, and theft of your electric car
✔ Covers your medical expenses from an accident
✔ Protects against damage to someone else, their car or property
✔ Usually include cover for your electric car’s battery and charging cables.
✔ Some will cover your home charger (wallbox)
✔ Some will cover recovery to your nearest charge point if you run out of charge
✔ Usually the best option for electric car drivers
Third-party, fire and theft

✔ Offers cover for other people, their vehicles, and their property
✔ Protection for your own electric car if it were to get stolen, or if it’s damaged by fire
✔ Some providers may include battery and charging cables cover as standard
Third-party only

✔ Minimum legal requirement you need
✔ Usually the most expensive type of cover
✔ Covers injuries to other people, and damage to their vehicles and property
✔ Won’t offer any cover for damage to your electric car, battery or charging cables

Battery

This will cover your battery if it’s damaged in an accident or fire or if it’s stolen. Battery cover is often included as standard in comprehensive electric car insurance policies but if you have a used electric car that comes with a battery lease check the small print to make sure that leased batteries are included and inform your insurer about the lease.

Portable charging cables

Covers your charging cables for accidental damage, fire damage or being stolen whilst in your car or in use. This is often included in fully comprehensive electric car insurance and may be included by some providers as part of third-party, fire and theft policies.

Public liability

In case someone trips over your charging cable and gets injured in a public place (for example, if you are running a charging cable from your house to your car parked on the street).

Home charger (wall box)

Covers accidental damage, fire or theft of your wall box. This should apply whether you have a wall box with a charging cable attached (tethered) or un-tethered but check the policy details and find out if there’s a limit of say, up to £1,000. Some insurers will include wallbox cover as standard in comprehensive policies, alongside charging cables, but some exclude it so you may need to look at covering it as part of your home insurance.

Recovery

If you run out of charge, your insurance company may provide recovery to your nearest charge point so you can recharge and continue your journey. This is likely to be an optional extra, although some providers include it as part of fully comprehensive cover.

Electric vehicle hire car

If you opt for hire car or courtesy car cover so you can still get about easily if your vehicle is off the road being repaired, some insurers will give you an electric hire car, usually subject to availability.

Details of the car

The car’s registration number if you know it. If not, the make and model is fine. We’ll also need the car’s age and any modifications you’ve made.
Your details and your licence

Including your job, age and your address - the same for any additional drivers you may have.  We'll also need to know what type of licence you have, how long you've had it, your claims and driving history
What you’ll use the car for

Social, commuting or business, and how many miles you’ll do in a year. You’ll also need to say where you’ll keep the car at night for security
No-claims discount (NCD) history

Details of your no-claims discount will help lower the prices you get. Use our no-claims discount tool to find out how many years’ no-claims discount your insurer will honour.

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Our expert says…

There are now more than 1.3 million electric cars on UK roads, according to industry body the SMMT. But that’s still only about 3.6% of all UK cars so insurers don’t have the same level of data and insight as they have about traditional petrol and diesel models. That can make some insurers more risk averse about electric cars but there are plenty who have tailored policies to suit electric car drivers so compare quotes to find the right cover for you.

Sarah Tooze Car & Van Insurance Expert

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What are electric cars and how do they work?

Electric cars are powered completely by batteries, which are connected to an electric motor. This motor drives the wheels as well as supplying all other functions. These cars are charged by being plugged into a mains supply rather than filling them up with fuel.

Insurers tend to classify hybrid cars as electric vehicles too. Hybrid cars use a conventional diesel or petrol engine and an electric motor, powered by a battery, and some hybrid cars can be plugged in and charged like a pure electric vehicle. They’re known as a plug-in hybrid electric vehicle (PHEV for short) and it’s useful to have cover for charging cables and batteries for these models too.

Do I need electric car insurance?

Car insurance is a legal requirement, whatever your engine type. If you own or drive a car in the UK, the law says you must have at least third-party only insurance. You must have insurance, even if you don’t drive your car, and you keep it parked on a road, driveway or in a garage. This applies to all drivers, and you can find car insurance for:

Young drivers: If you're a driver aged between 17 and 24
Learner drivers: If you're taking lessons with a provisional licence
Over 50s: If you're a driver aged 50 or over
Named drivers: If you want another driver on your policy
New drivers: If you’ve recently passed your driving test

Disabled drivers: If you need extra protection because of your disability

Are electric cars reliable?

Like every type of car, reliability will depend on the make and model of the car you have. One thing that all electric vehicles have in common is that they use a battery and a motor instead of an engine. This means fewer moving parts, so less things that can go wrong, and less maintenance.

How much is road tax on electric cars?

Since 1st April 2025, owners of electric cars have had to pay the same vehicle tax that is levied on petrol and diesel cars. (Electrics cars were previously exempt).

The exact cost of your car tax depends on when the car was registered.

If your electric car was registered on or after 1st April 2025 and had a list price of more than £40,000 then you will also be charged an expensive car supplement.

Do all insurance companies offer electric car insurance?

Most mainstream insurance companies now offer electric car insurance, and some specialist car companies also offer policies for electric cars and eco vehicles.

However, not all providers will offer cover. Whilst electric cars have been around for a number of years, they are still considered a new prospect for the industry. With limited previous data to base premiums on, some providers refuse to offer insurance for electric cars. 

However, this is changing as time goes on. With more information readily available, the confidence around electric cars is growing and more providers are entering the market.

Where are the free charging points across the UK?

At the end of April, there was over 31,000 electric vehicle charging points across the UK. A good few thousand of these will be free – you can use Zap Map to find charging points all over the country.

What if someone trips over my charging cable?

If you’re charging your car and you need to run the cable across the pavement to reach your vehicle, there may be a risk of someone tripping over the cable and injuring themselves. Issues like this are never cut and dry, so it’s always good to make sure what level of liability cover you have as part of your policy – the best way would be to speak to your provider directly.

What are the most popular electric cars?

The best-selling new electric cars in the UK in 2024 were:

Tesla Model Y
Audi Q4 e-tron
Tesla Model 3
MG4
BMW i4
Mercedes-Benz EQA
Skoda Enyaq
Hyundai KONA
Volvo EX30
Volkswagen ID.4

Does electric car insurance cover home charging points?

Yes, electric car insurance can cover home charging points for accidental damage, fire and theft but this is usually part of a fully comprehensive policy. Not all electric car insurance providers cover home chargers so check the wording of your policy carefully.

Is battery cover included in all policies or only as an extra?

Battery cover is usually included as standard on a comprehensive electric car insurance policy but may be an optional extra for third-party, fire and theft policies and won’t be included on third-party only policies.

Does breakdown cover include towing to the nearest EV charging station?

Yes, most major breakdown providers will recover your electric car to your nearest charge point. Some even have the equipment to top-up your charge at the roadside. If your electric car does need to be recovered it will need to be loaded onto a flatbed truck rather than towed in the same way as a petrol or diesel as electric cars don’t have a neutral gear and all four wheels will need to be off the ground to prevent damage to the battery.

Do electric car policies cover battery replacement?

Electric car policies will cover your battery against accidental damage, fire damage or theft. In some instances, the cost of replacing the battery will mean your electric car is written off instead. Insurers won’t cover battery replacement if your battery has simply failed.

Are electric cars cheaper to run even if insurance is higher?

Yes, electric cars are often cheaper to run than petrol and diesel cars. In particular, it is generally cheaper to fuel an electric car, assuming you charge at home.

The RAC looked at the cost per mile to drive petrol, diesel and electric cars. They found that in November 2025, the average cost to charge an electric car at home using a 7kW charger on an Ofgem-capped tariff worked out at roughly 8p per mile. Petrol and diesel costs were about twice as high: around 15p per mile for petrol and 16p for diesel.

However, using a public rapid charger for an electric vehicle cost around 25p a mile, so the more you rely on public charging, the smaller your savings are likely to be.

How far can an electric car travel on one charge?

The average battery electric car could travel 236 miles on a full charge in 2024, according to the trade association The Society of Motor Manufactures and Traders (SMMT). The top range of an EV has been going up as technology improves, and there are already cars on the market with batteries that can last over 450 miles.

The real-world range of a specific EV will depend on:

Your driving style
The size of the battery
Weather conditions
Whether you do lots of motorway driving

Cold weather can reduce battery efficiency, and motorway driving tends to reduce range compared to city driving. Many EVs allow you to preheat the battery and cabin (known as preconditioning), which can help improve efficiency in winter.

Can I own an electric car if I don't have a driveway or home charger?

Yes. You don’t need a driveway to own an electric car, but charging may require more planning.

There are now more than 82,000 public EV charge points across the UK, according to Zapmap, and the number continues to grow. Many supermarkets, gyms, hotels and shopping centres offer ‘destination charging’.

Other options include:

Workplace charging
Community charging (renting access to a neighbour’s charger)
On-street solutions such as lamppost chargers

Charging at home is usually cheaper, but public infrastructure is improving rapidly.

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Reviewed on 19 Feb 2026 by

Beth Leslie

Senior Insurance Content Editor

Electric car insurance

Compare electric car insurance quotes.

Find cheap car insurance and get rewarded

📣 Did you know?

Vehicle price

Battery cost

Used car values

Parts and labour

Repair time

Technology

Compare quotes

Pay annually

Increase your excess

Choose a smaller electric car

Improve your electric car’s security

Consider your overall running costs

Fully comprehensive

Third-party, fire and theft

Third-party only

Battery

Portable charging cables

Public liability

Home charger (wall box)

Recovery

Electric vehicle hire car

Details of the car

Your details and your licence

What you’ll use the car for

No-claims discount (NCD) history

Search 188^ insurers

Rated 4.7/5 on Feefo

Quick and easy

Earn rewards

Earn up to £20^ every time you buy

Free experiences

Cashback

Refer a friend

Our expert says…

Trusted Service Awards Winners