Compare cheap electric car insurance

Find quotes quickly and easily, in around 5 minutes

Whether you’ve got an electric car or are thinking of buying one, we can help you find the best priced policy for your needs.

To compare electric car insurance that gives you protection you can rely on, search mustard.co.uk.

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  • Are electric cars cheaper to insure?
  • FAQs
  • Useful links
  • Customer reviews

Jump to section

  • Are electric cars cheaper to insure?
  • FAQs
  • Useful links
  • Customer reviews

Why compare electric car insurance?

It’s important to compare electric car insurance quotes simply because the market has changed so much over time. Improvements in technology have helped level out the electric car market and as they become more mainstream, insurers have a much better idea of how to price electric car policies based on real-life scenarios. 

Car insurance is also extremely competitive, and insurers are keen to establish themselves within the newer electric car market. So, when your annual policy comes up for renewal, comparing quotes could save you a lot more than you think.

For more helpful guides from mustard.co.uk, you may wish to see the following articles:


Should I buy an electric car?

Busted: 7 Common Myths About Electric Vehicles

Electric car insurance FAQs

What does electric car insurance cover?

Electric car insurance gives you the same protection as standard car cover and as with standard policies, you can choose from one of three levels of cover:

  • Third-party only insurance – compensates other people for injury or damage you’ve caused. These policies don’t cover repairs to your car so if you have an accident, you’re responsible for fixing your own vehicle. This is the minimum level of cover you can have by law.
  • Third-party, fire and theft insurance – includes third-party only cover and also covers the cost if your car is stolen or damaged by fire. 
  • Comprehensive insurance – provides third-party, fire and theft cover and also pays to repair or replace your car if it’s damaged or destroyed in an accident. This is the highest level of cover you can buy but not necessarily the most expensive (another great reason to compare).

If you lease your electric car battery, it’s vital to understand how this affects your insurance. For example, some insurers will need you to take out separate battery insurance. Plus, don’t forget any accessories that you need to charge your car; for instance, check to see if power cables are covered too.

Most insurers will also give you a choice of optional extras which you can add for a cost. This could include breakdown cover, windscreen cover and legal expenses. 

Are electric cars cheaper to insure?

Electric car insurance reviews show that many early policyholders struggled to find affordable cover. This was often compounded by lack of choice as few insurers offered appropriate policies.

Let’s not forget that electric cars are still fairly new to the car market. Although premiums are still relatively high now, they are more than likely to come down as more and more electric cars become available.

Why is it more expensive to insure an electric car?

Electric cars often rely on advanced technology and despite the fact there are fewer moving parts, replacements can be very expensive. Both reasons mean that electric cars are usually in higher insurance groups resulting in pricier premiums. 

Also, although more and more technicians are being trained in electric car repairs and diagnostics, there simply aren’t enough of them to go around. 

How can I get the best electric car insurance rates?

There are several ways to bring down the cost of electric car insurance, for example:

  • Pay for your policy upfront – paying for your policy in monthly instalments often includes interest fees which increases the overall cost. 
  • Increase your voluntary excess – this can reduce your overall premium but the amount you agree still needs to be affordable as claims can’t go ahead unless you pay it. 
  • Boost security – keep your car as secure as you can, immobilisers and trackers can be a cost-effective way to do this and could lower your premium. 
  • Check electric car insurance groups – choosing an electric car in a lower insurance group can mean paying less in premiums. For example, the VW E-Up, Smart ForFour, and the Renault ZOE are all in groups 10-14. 

How can I compare the best insurance for electric cars?

The easiest way to find the best insurance for your electric car is to compare quotes with us at mustard.co.uk. Not only can you search online from a range of leading insurers in the comfort of your own home, our Cheapest Price Guarantee* is our promise to beat any other online quote.

Alternatively, if you’d prefer to speak to a friendly member of the team, you can call an expert advisor on 0330 022 8814.

Compare insurance quotes for your electric car