The Electric Car Insurance Index - 2025

How much does it typically cost to insure an electric car?

We’ve crunched the numbers to work out the average monthly car insurance premium for new electric cars in 2025. We can also reveal the top 10 most expensive and cheapest new electric cars to insure, based on our data*.

Top 10 cheapest new electric cars to insure

It’s no surprise that small cars are among the cheapest to insure, with the Volkswagen ID 3 Family 204 topping the table with an average annual premium of just £478.

Coming a close second for cheap EV car insurance is the Volkswagen E-UP! , with the Mini Cooper S Level 3 in third.

Make and model	Average annual premium
VOLKSWAGEN, ID 3 Family 204	£478
VOLKSWAGEN, E-UP!	£487
MINI, Cooper S Level 3	£488
VAUXHALL, Mokka E Ultimate	£492
NISSAN, Leaf Tekna (30kw)	£516
MINI, Cooper S Level 2	£518
DACIA, Spring	£537
SKODA, Enyaq IV 60	£543
VOLKSWAGEN, ID3 Life 145	£545
MG MOTOR, MG4 Trophy Long Range	£552

How much does it cost to insure an electric car?

EV vehicles are usually more expensive to insure because their repairs are more complex, components are more expensive, and technicians require special training to repair sophisticated software.

Vehicle fuel type	Average annual car insurance price
Electric	£569^{^}
Diesel	£526^{^}
Petrol	£490^{^}

Top 10 most expensive new electric cars to insure

Naturally, the most expensive electric cars to insure are the premium models which fall into higher car insurance groups.

The number one most expensive electric car to insure is Tesla's Model-Y Standard Range, with Tesla also taking the second spot with the Model-Y Long Range AWD model. Mercedes-Benz was the first brand other than Tesla to appear highly on the list, with the EQC 400 AMG Line costing £1,049 to insure on average.

Make and model	Average annual premium
TESLA, Model-Y Standard Range	£1,113
TESLA, Model-Y Long Range AWD	£1,102
MERCEDES, EQC 400 AMG Line	£1,049
AUDI, E-Tron Technic Quattro 50	£1,026
TESLA, Model-Y	£1,017
TESLA, Model-3 Standard Range Plus	£1,003
MERCEDES, EQC 400 AMG Line Premium Plus	£996
TESLA, Model-3 Performance	£995
TESLA, Model-3 Long Range AWD	£980
MERCEDES, EQC 400 AMG Line Premium	£965

It's important to remember that insurance is just one element of the total cost of owning an electric car. You also need to consider the cost of electric car charging and having a wallbox fitted at home, and the cost of using public electric car chargers, as well as service, maintenance and repair costs, and breakdown cover.

Compare quotes with MoneySuperMarket

You can compare electric car insurance quotes to check the specific model you’re considering buying or leasing.

When comparing electric car insurance quotes, be aware that not all providers offer the same cover. Some providers may offer add-on coverage for your battery, charging cable, home charger, and adaptors.

Certain policies may also include public liability cover in case someone trips over your charging cable and gets hurt.

Aside from comparing quotes and looking at average prices, it’s worth checking what insurance group your electric car is in.

Generally, the lower the group, the cheaper your premium will be. You can do this using our car insurance group checker tool.

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*Consumer intelligence data collected between 01/01/2025 and 17/09/25 from car insurance policies taken out via the MoneySuperMarket site with a minimum of 100 sales per vehicle