The comparison site examined what it costs to insure ten new electric cars. “In doing so, we also looked at what it costs to insure a gasoline car with a similar purchase price of the same brand,” said Amanda Bulthuis, money & insurance expert at Geld.nl. “This shows that car insurance for electric cars is on average 12.50 euros per month more expensive than for gasoline cars. So on an annual basis, that amounts to 150 euros.”<\/p>\n
It should be noted, according to Bulthuis, that electric cars are by default more expensive than gasoline cars of similar model and design. “Because we selected cars of similar value in this study, this means that the gasoline models tend to be much more luxurious versions than electric cars. For the electric cars, we assumed the most standard version. However, had we assumed similar models and versions for electric and gasoline cars, the electric cars are on average 250 euros more expensive to insure per year.”<\/p>\n
That premiums for electric cars are so much higher is because the claims burden for electric cars is higher, several auto insurers indicate. “In practice, the repair costs of electric vehicles are often higher than those of gasoline cars. This is because repairs of electric cars require technical and specialized skills that not every repairman possesses. Moreover, the replacement cost of a battery can quickly rise to amounts in excess of 4,500 euros,” says a spokesman for Allianz Direct.<\/p>\n
According to many major insurers, another factor is that electric cars have a higher weight, making them more likely to cause (injury) damage in the event of a collision, thus increasing the cost of claims.<\/p>\n
Some numbers in a row:<\/p>\n *For all-risk insurance at 12,000 kilometers per year, based on a fictitious 35-year-old driver from Breda with 6 claim-free years<\/em>.<\/p>\n Also read: Why braking for these mysterious speed cameras is unnecessary<\/a><\/p>\n\n\n
\n \n Cars with similar purchase price<\/strong>\n<\/td>\n \n Average monthly premium electric*<\/strong>\n<\/td>\n \n Average monthly premium gasoline*<\/strong>\n<\/td>\n<\/tr>\n \n Hyundai Kona (Electric) \/ Tucson (Gasoline)<\/td>\n \u20ac 91,22<\/td>\n \u20ac 82,65<\/td>\n<\/tr>\n \n Opel Corsa (electric)\/ Mokka (gasoline)<\/td>\n \u20ac 82,01<\/td>\n \u20ac 70,80<\/td>\n<\/tr>\n \n Sk\u00f4da Enyaq IV (Electric) \/ Kodiaq(Gasoline)<\/td>\n \u20ac 106,74<\/td>\n \u20ac 87,99<\/td>\n<\/tr>\n \n Peugeot 208 (Electric and gasoline).<\/td>\n \u20ac 79,01<\/td>\n \u20ac 65,68<\/td>\n<\/tr>\n \n Renault Twingo (electric) \/ Clio (gasoline)<\/td>\n \u20ac 62,42<\/td>\n \u20ac 55,95<\/td>\n<\/tr>\n \n Renault Megane (Electric and gasoline).<\/td>\n \u20ac 82,53<\/td>\n \u20ac 72,85<\/td>\n<\/tr>\n \n Dacia Spring (electric)\/ Sandero (gasoline)<\/td>\n \u20ac 60,09<\/td>\n \u20ac 56,70<\/td>\n<\/tr>\n \n Kia Niro (electric) \/ Sportage (gasoline)<\/td>\n \u20ac 95,47<\/td>\n \u20ac 82,19<\/td>\n<\/tr>\n \n BMW i4 (electric) \/ X1 (gasoline)<\/td>\n \u20ac 148,22<\/td>\n \u20ac 122,66<\/td>\n<\/tr>\n \n Volkswagen ID.3 (Electric)\/ Tiguan (Gasoline)<\/td>\n \u20ac 109,71<\/td>\n \u20ac 90,74<\/td>\n<\/tr>\n \n \n Average monthly premium<\/strong>\n<\/td>\n \n \u20ac 91,74<\/strong>\n<\/td>\n \n \u20ac 79,22<\/strong>\n<\/td>\n<\/tr>\n \n \n Difference per year<\/strong>\n<\/td>\n <\/td>\n \n \u20ac 150,25<\/strong>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n