A difference of up to 30%: Why is it cheaper to insure an electric car than a diesel or a hybrid? | my guide

The heavier the car, the higher the premium. If you drive a heavier car, you will always pay a higher premium than if you choose a lighter car. The reason is simple: if a heavier car gets into an accident, it will cause more damage than the lighter model anyway. This is exactly the reason why insuring a diesel car is usually more expensive than a regular petrol car. Diesel is heavier, so there is a higher chance of more damage in a crash.

Has your electric car been withdrawn? These are serious consequences for your insurance.

There are many factors that determine the amount of your car insurance premium. The most important is your age, where you live, the value of your car and your bonus score. In addition, the number of kilometers you drive per year also plays a role, which is called kilometer.

Do you have a car, but you don’t use it much? In this case, mileage insurance can be a cheaper solution.

Electric and hybrid cars are heavier than diesel models anyway. So you assume the premium is also higher. But our comparison proves the opposite.

On Independer.be we compare the price of full comprehensive insurance for the BMW X3 in all versions with different insurance companies: iX3, X3 Hybrid (petrol) and X3 Diesel. All parameters (place of residence, age) are the same, only the type of fuel is different. The differences are important..

• Cheaper premium ninth3: 830 euros annually
• Cheaper premium X3 Hybrid: 1025 euros annually
• Cheaper premium X3 diesel: 1025 euros annually

Comparison makes big differences. Electric driving offers the cheapest insurance premium. The hybrid and diesel are about 25 percent more expensive.

Why? Electric cars are more environmentally friendly because they do not emit any carbon dioxide while driving. This is why insurers also want to make it more attractive to buy cars with zero CO2 emissions. They do this by offering so-called “green discounts,” which are up to 30 percent on BA insurance and sometimes also on all-inclusive formulas, as our comparison shows.

Preservation tip: If you drive an electric or hybrid car, compare carefully Premium pricing on Independer.be before signing the contract. Some insurance companies offer a higher discount on electric driving than others.

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