E-cars are always expensive to buy. But at least you can count on lower costs in the long run if you buy one – among other things for insurance. But this status quo will not last forever.
E-car drivers lucky? Insurance coverage is so much cheaper
If you buy an electric car, you can expect a high Potential savings on insurance be happy. The costs can be up to 25 percent lower be as if you had a comparable combustion engine insured. This was the result of a study by the comparison portal Verivox. According to this, in the best case, savings of up to 168 euros per year are possible.
The cost difference is between 8 percent for the ID.3 Pure from VW compared to a Golf VIII and 25 percent that the Audi Q4 40 e-tron comes off cheaper than a Q5 TFSI Quattro. Electric versions of the Peugeot 208, Mini Cooper, Hyundai Kona and Opel Mokka were also compared with their respective combustion engine variants.
“Usually the formula applies the more expensive a car, the higher the insurance premium.” says Wolfgang Schütz, Managing Director of Verivox Versicherungsvergleich GmbH. But the opposite is currently the case, at least when comparing the types of drive: “The lower insurance costs for electric cars are due to insurers competing to position themselves. They want to join us cheap offers to position themselves in this younger, still developing market.”
But it will hardly stay that way. The more the market consolidates, the more likely it is that competitive pressure will ease again. In addition, with many previous e-cars battery can lead to higher insurance costs. On the one hand, because it is by far the most expensive component in modern electric cars.
The question of the cheaper type of drive has not been answered:
Bitter for e-car drivers: Insurance costs will rise
On the other hand, the e-car battery is in the damage often difficult to check or repair, criticize experts. In the USA, the trend is almost exactly the opposite: there, e-car drivers pay up to 27 percent more for their insurance.
The comparison experts from Verivox examined the five cheapest offers for each Liability with fully comprehensive protection for a 40-year-old solo driver in Münster with no-claims class 10 and 13,000 kilometers driven per year. The actual cost of insurance can vary from case to case.
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