Electric Car Insurance (UK) — Compare Quotes in Minutes

Electric car insurance works similarly to standard car insurance — but the price can vary depending on the vehicle and how it's used. EV values, repair costs, and parts availability can affect premiums, so comparing providers can be worthwhile.

Reviewed by MySupermarketCompare Editorial Team

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What you'll need to start a quote

•Vehicle details (registration or make/model)
•UK postcode
•Annual mileage + where it's kept overnight
•Whether you want to pay monthly

Who this page is for

This page is for UK drivers who:

own or are buying an electric car (EV)
want to compare quotes quickly using accurate details
want to understand what can affect EV premiums
want cover that fits how they actually use the vehicle

If you drive a hybrid vehicle (not a pure EV), see our hybrid car insurance guide.

What can affect electric car insurance prices?

Pricing varies by provider, but EV quotes can be influenced by factors such as:

the car's value and insurance group
repair costs and access to specialist repair networks
battery-related repair/replacement costs
how easy parts are to source
your postcode and where the car is kept overnight
annual mileage and how you use the car (social/commuting)
your driving history, claims, points, or convictions
cover level, excess, and optional extras

Different insurers can price the same details differently, so comparison can help.

Practical tips when comparing EV cover

Use accurate vehicle details and trim level
Review what's included (windscreen, breakdown add-ons, courtesy car)
Compare the total cost if paying monthly vs annually
Choose an excess you could realistically afford
Check policy terms and exclusions before buying

If you only need temporary cover for a short period, options may be available depending on your details and the vehicle.

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FAQs: Electric car insurance (UK)

Is electric car insurance always more expensive?

Not always. It depends on the vehicle, postcode, mileage, and insurer. Comparing is the best way to see your options.

Do EVs have different insurance requirements?

The core cover types are similar, but insurers may price EVs differently due to repair costs and vehicle value.

Does battery cost affect insurance?

It can be a factor in repair pricing for some models, but it varies. Insurers assess overall risk and cost to repair.

Can I pay monthly for EV insurance?

Often yes, but monthly payments may cost more overall depending on the provider and payment arrangement.

Does where I park overnight matter?

Yes. Where the car is kept (street, driveway, garage) can affect risk and pricing.

What details do I need to compare?

Typically vehicle details, postcode, annual mileage, usage type, and driver history.

Is fully comprehensive always best?

Not always, but it can sometimes be competitively priced. Compare cover types to decide what fits your needs.

What's the fastest way to check options?

Start a quote journey with accurate details and compare total cost and cover breakdown.

Ready to compare EV quotes?

Start your quote online now and view options available from UK providers.

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How we created this page (transparency)

This page was created to help UK drivers understand electric car insurance and what can affect premiums when comparing options. It is reviewed for clarity and updated as needed to stay accurate and useful.

Important information

MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and is not financial advice.