Hybrid car insurance

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[1] Correct as of December, 2022.

What is a hybrid car?

A hybrid car runs on a petrol or diesel engine, in combination with a battery-powered electric motor.

Although fully electric cars have zero emissions, the range can be restrictive. The system of electric charging points is still developing in the UK, and you’ll be limited to the number of miles you can do between charges.

With petrol or diesel-only vehicles, there are concerns about fuel consumption and the environmental impact of CO2 emissions and air pollution.

Hybrid cars can give you the best of both worlds and some have as many as three driving modes. Electric, or ‘pure’ mode, produces zero emissions and is ideal for urban driving. Hybrid mode (often the default setting) powers the car using the engine or the electric motor, or both. Fuel mode (sometimes called ‘power’ mode) gives you the power and performance you need for longer journeys.

Frequently asked questions

Are hybrid cars cheaper to insure?

Just like conventional fuel models, insurance costs for hybrids depend on a number of factors, including your personal circumstances and driving history.

Parts and repairs tend to be more expensive than conventional cars, so this may be reflected in your premium cost. However, as hybrid cars increase in popularity, insurance for these cars is becoming more competitive.

One way to cut the cost of your car insurance is to compare a range of quotes. Our figures show that customers who compare through us at Compare the Market for all vehicle types, could save up to £374[2] on their annual car insurance.

[2] Based on Online independent research by Consumer Intelligence during November 2022. 51% of customers could achieve this saving on their car insurance through Compare the Market.

What other costs should I consider when buying a hybrid car?

Hybrid cars tend to be more expensive to buy than petrol or diesel versions. However, they can be far cheaper to run.

Although they aren’t exempt from road tax like zero emissions electric vehicles, hybrid cars under car tax bands A to M, are charged £10 less in Vehicle Excise Duty (VED) than petrol and RDE2 standard diesel models.

Plug-in hybrids that emit less than 75g/km of CO2 may also be exempt from the London Congestion Charge.

Do I need specialist insurance for a hybrid car?

Not necessarily, most standard car insurance policies should cover your hybrid car too.

However, there are an increasing number of specialist policies out there for hybrid and other eco vehicles – and you might find they offer you a better deal.

That's why it’s a good idea to compare a few different quotes for hybrid car insurance.

What insurance group are hybrid cars in?

It depends on the make and model.
Hybrid cars often fall in the higher insurance groups because they have specialist parts and may need specialist repair. But that’s not always the case.
And although a higher insurance group usually means higher premiums, it’s worth remembering that’s not the only factor in deciding the cost of your insurance premiums.  
Find out the insurance group of your hybrid car.

What are the advantages of hybrid cars?

One of the main benefits of hybrid cars is their efficiency.

Because hybrid cars can also run on an electric battery-powered engine, you can use less fuel. But, you still have the flexibility of the conventional fuel-powered engine, so you don’t have to worry about getting too far away from a charging point.

As more manufacturers turn their focus to hybrid models – including the BMW i3, the Kia Niro and the Hyundai Ioniq, the increase in competition leads to leaps forward in power and performance.

Also, hybrid cars produce less pollution, so they can help you reduce your impact on the planet. It also means they can qualify for cheaper road tax and are often exempt from city congestion charges.

Are hybrid cars cheaper to run?

In most cases, you’ll use less fuel driving a hybrid car, so you should save at the petrol pump.

This is especially true if you use your car mostly for shorter journeys close to home, and your charging facilities, as in that case you’ll be able to run mostly on electricity.

However, the electric batteries don’t last forever, and hybrid cars often have poor fuel efficiency when they do run out. So, if you mostly make long journeys it could potentially end up more expensive.

Where can I find cheap hybrid car insurance?

If you’re looking to cut CO2 emissions, a hybrid car can be a valid alternative to petrol and diesel versions. The good news is that hybrid car insurance doesn’t have to cost a fortune.

Compare today and see if you can save. Quoting with us could get you a cheaper deal.

How much does car insurance cost across all vehicle types?

51% of our customers are quoted less than
a year for comprehensive car insurance [3]

51% of customers could save up to
on their car insurance [4]

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[3] 51% of our customers were quoted less than £628.58 for their fully comprehensive car insurance in November 2022.

[4] Based on Online independent research by Consumer Intelligence during November 2022. 51% of customers could achieve this saving on their car insurance through Compare the Market.

The cost of car insurance depends on several factors, including:

  • the make and model of your car, and what insurance group it falls into
  • your personal circumstances and your driving history. For example, your age and how long you’ve been driving, and if you have previously made any claims

Hybrid car owners tend to be safer drivers, and this may be reflected in the cost of their insurance.

Compare with us to see a range of quotes for your hybrid car insurance, so you can find the right deal for you.

What do our customers say?

Based on 102,543 reviews, our customers rated us 4.6 out of 5.

Saved £160 and stayed with same Provider
Britpart • 09/09/2021
I got a great price for my car insurance, I would definitely recommend to friend
JTHOM • 09/09/2021
So easy and fast. Got a great deal half of what my current insurers quoted.
Jak60 • 09/09/2021
Love the way your details are kept which make it easy to review and choose each.
Carol G • 02/11/2021

What do I need to get a quote?

To start comparing insurance quotes for your hybrid car, you’ll need to tell us about:

  • Your car – either the registration number or the car’s make, model and age
  • How you use your car – for leisure and commuting only, or for work too? We’ll need to know how many miles a year you drive and where you keep your car at night.
  • Your driving history – any accidents, insurance claims and driving convictions from the past five years, and details of your no-claims discount, if you have one.
  • Additional drivers – details of any additional drivers you want to add to the policy.

You'll also need to provide a few personal details, including your name, age, address and profession – unless you’ve compared with us before, then we’ll do that for you.

Author image Alex Hasty

What our expert says...

“Hybrid cars offer a great compromise between efficiency, performance and flexibility. And going green doesn’t have to cost the earth. Compare with us and find the right price for your hybrid car insurance.”

- Alex Hasty, Motor insurance expert

Why use Comparethemarket?

We compare 150 car insurance products from leading providers[1]

We're rated 4.8/5 on Trustpilot[5]

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Correct as of December, 2022.

[5] As of January 2023 Compare the Market had an average rating of 4.8 out of 5 from 23,670 people who left a review on Trustpilot. The score 4.8 corresponds to the Star Label ‘Excellent’.

Page last reviewed on 12/01/2023
by Julie Daniels