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Hybrid car insurance

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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 own personal circumstances and driving history.

The insurance group your car falls into can also have an impact on the cost of your car insurance. The higher the group, the higher your premium is likely to be.

Depending on the hybrid model you choose, group categories can vary. For example, Toyota Yaris 1.5 Hybrid Active is in group 2, while the Prius 1.8 Active is in group 16.

Parts and repairs tend to be more expensive than conventional cars, so this may also be reflected in your premium cost.

However, as hybrid cars increase in popularity, insurance quotes for these cars are becoming more competitive.

One way to cut the cost of your car insurance is to shop around and 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 £289† on their annual car insurance.

†Based on Online independent research by Consumer Intelligence during May 2020 50% of customers could save up to £289.85 on their car insurance premium.

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.

They also tend to hold their value better than their petrol or diesel counterparts.

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.

(RDE2 stands for Real Driving Emissions Step 2 - an emissions standard.)

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

(A plug-in hybrid is a type of car that can be connected to an electrical socket to charge its battery.)

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.

Hybrid car owners tend to be safer drivers, so specialist insurance providers take that into account when pricing up their policies.

To find the best price for your hybrid car insurance, it’s a good idea to compare a few different quotes.

What insurance group are hybrid cars in?

It depends on the make and model. The insurance group for the Toyota Prius for example could range from 11 to 17, depending on the 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. For example, the latest hybrid model of the Toyota Yaris falls into group 2.  
 
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. That’s good news for your bank balance and the environment.

Unlike electric cars though, with hybrid cars 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 be the best way to find a cheaper deal.

How much does car insurance cost across all vehicle types?

Half of our customers pay
£615
a year for comprehensive car insurance**

Over two thirds of our customers save up to
£144
a year on their car insurance***

Half of our customers could save
40%
on their car insurance premium****

**50% of people could achieve a quote of  £615.00 per year for their fully comprehensive car insurance based on Compare the Market data in May 2020.

***Based on Online independent research by Consumer Intelligence during May 2020 70% of customers could save up to £144.96 on their car insurance premium.

****Based on Online independent research by Consumer Intelligence during May 2020 50% of customers could save up to 40.78% on their car insurance premium.

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 at the best price.

Start a quote

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.

Dan Hutson

From the Motor team

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.”

Why use Compare the Market?

Compare car insurance quotes in 5 minutes^^

We compare 123 car insurance products from leading providers^^^

94.0% of users would recommend Compare the Market to friends or family^^^^

^^On average it can take less than 5 minutes  to complete a  car insurance quote through Compare the Market, based on data in May 2020.

^^^Correct as of May 2020

^^^^For the period 1st March 2020 to 31st May 2020, 11,723 people responded to the recommend question, 11,015 responded with a score of 6 or above, therefore 94.0% are likely to recommend.

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