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Best electric car insurance
Top car insurance policies for drivers of electric vehicles (EVs), with ratings for charger cover, recovery from the road and more
In this article
- What is electric car insurance?
- Best insurance policies for electric cars compared
- Best car insurance policy for electric cars
- How much does electric car insurance cost in the UK?
- Are electric cars cheaper to insure than petrol or diesel cars?
- 'Your car might be electric, but your courtesy car probably won't be'
- More on electric car insurance
- How we analyse electric car insurance cover
What is electric car insurance?
As electric vehicles (EV) become more common, you can now buy insurance from pretty much all the big-name car insurance companies.
Some insurers have launched specific policies for these vehicles, such as LV, with new insurers including Novo and Pluginsure also targeting EVs.
Here, Which? reveals the best insurance policies and insurers for electric vehicles.
Please note that the information in this article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
Best insurance policies for electric cars compared
To come up with our electric vehicle/hybrid policy score, we reviewed 10 areas of electric car and equipment cover, such as batteries, charging cables, wall box charging stations and charging adaptors.
The policies in the table below had an overall policy score of at least 62% (the average).
| 80% | 73% | Yes | 100% | 100% | |
Car Insurance | 68% | 69% | Yes, optional extra if customer has breakdown cover | 75% | 75% |
Car Insurance | 68% | 68% | Yes, optional extra if customer has breakdown cover | 75% | 75% |
Car Insurance | 68% | 68% | Yes, optional extra if customer has breakdown cover | 75% | 75% |
Comprehensive | 50% | 63% | No | 100% | 100% |
Comprehensive Plus | 50% | 66% | No | 100% | 100% |
Standard Online | 50% | 65% | No | 100% | 100% |
Premium Online | 50% | 67% | No | 100% | 100% |
Comprehensive | 50% | 67% | No | 100% | 100% |
Comprehensive Plus | 50% | 69% | No | 100% | 100% |
Comprehensive Plus | 50% | 66% | No | 100% | 100% |
Gold | 50% | 63% | If you are also an AA member | 100% | 100% |
Platinum | 50% | 65% | If you are also an AA member | 100% | 100% |
Silver | 50% | 67% | Yes | 100% | 100% |
Gold | 50% | 69% | Yes | 100% | 100% |
Car Insurance | 50% | 62% | If you are also an AA member | 100% | 100% |
| 50% | 73% | Yes | 100% | 100% | |
| 50% | 69% | Yes | 100% | 100% | |
| 50% | 75% | Yes | 100% | 100% | |
| 50% | 77% | Yes | 100% | 100% | |
| 50% | 68% | Yes | 100% | 100% | |
| 50% | 66% | No | 100% | 100% | |
Essentials | 44% | 62% | Yes, but hybrids aren't covered | 75% | 100% |
Admiral | 44% | 63% | Yes, but hybrids aren't covered | 75% | 100% |
Gold | 44% | 64% | Yes, but hybrids aren't covered | 75% | 100% |
Platinum | 44% | 64% | Yes, but hybrids aren't covered | 75% | 100% |
Littlebox | 44% | 63% | Yes, but hybrids aren't covered | 75% | 100% |
Extra Premier | 38% | 65% | Destination of choice within 10 miles | 75% | 75% |
Extra + Legal | 38% | 65% | Destination of choice within 10 miles | 75% | 75% |
Plus | 38% | 64% | No | 75% | 75% |
Car Insurance | 38% | 67% | No | 75% | 75% |
Plus | 38% | 64% | No | 75% | 75% |
Table note: Last updated in January 2026. Next update in January 2027. Electric/Hybrid Cover Score: Review of 66 car insurance policies. Equipment damage score reflects cover levels for theft, fire and accidental damage. Equipment location score reflects cover levels at home, in a garage and in the car. Read more about how we analyse electric car insurance.
Best car insurance policy for electric cars
best buy
LV Car Insurance
LV's policy topped our table when it came to its EV cover, whilst also being a Best Buy for its cover generally. If you've bought its optional hire car cover, you're guaranteed a temporary EV to get around in while yours is under repair.
80%
1
of 66 policies
Esure car insurance
As well as insuring your EV, Esure's policy covers your battery, cables and charging adaptor (though not charging stations mounted on your wall). You can also optionally buy cover for a tow to the nearest charging point if your vehicle runs out of charge.
68%
2
of 66 poliies
How much does electric car insurance cost in the UK?
According to price comparison service Confused.com, the average insurance quote for an EV was £657 between October and December 2025.
Of course, this is an overall average. The price you'll be offered can be impacted significantly by such factors as your age, occupation, location, when you're shopping around and the specific vehicle you're buying cover for.
You could expect a high-performance Tesla to cost more to insure than a Nissan Leaf, for example.
- Find out more: the best electric cars.
Are electric cars cheaper to insure than petrol or diesel cars?
Compared to the EV average price of £657, the equivalent Confused.com figures were £854 for petrol cars and £818 for diesel.
This suggests that electric cars are cheaper to insure than their fossil-fuelled counterparts – but we've seen different results to this kind of comparison at different times and from different sources.
In other words, the answer to the question of which type of car is cheapest to insure probably hasn't been settled yet, and can be affected by timing as well as the particular scenario (eg the models of EV and petrol car being compared).
EVs typically require more specialist parts and support than petrol or diesel cars, which can add to the costs of claims made on them.
Insurers weigh up various costs when pricing insurance for electric cars:
| Pros | Cons |
|---|---|
| Electric cars tend to be less powerful than petrol and diesel cars. | EV parts can be harder to get hold of and more expensive, particularly batteries. |
| Insurers are increasingly keen to support the shift to more sustainable ways of living with discounts for vehicles that pollute less. | EV repairs may require a specialist mechanic. |
Still, over time, electric car insurance is likely to come down in cost compared to petrol and diesel cars. After all, in the long run, petrol and diesel cars will become the exception.
- Find out more: Best car insurance companies in the UK
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'Your car might be electric, but your courtesy car probably won't be'
Dean Sobers, Which? car insurance expert, says:
In our recent survey of 25 insurers, all said they cover EVs (and hybrids, too). But two policies that will theoretically cover your EV won't necessarily offer all the same benefits.
Most policies tended to fall short when it came to keeping you driving in a sustainable way while your car is under repair.
Only a tenth of policies we looked at – from five providers (Co-op, Esure, First Alternative, LV, and Sheilas' Wheels) – said they potentially offer hybrid or electric courtesy cars while yours is at the garage, and only one (LV) could guarantee this, as part of its optional courtesy car cover.
Other areas of difference included the equipment they'll cover, such as chargers and adaptors. Our equipment scores in the table above show how different policies compare when it comes to these extra details.
More on electric car insurance
How we analyse electric car insurance cover
Our editorial independence means we're able to work on behalf of consumers, not insurers. That means our reviews are fair and there's no hidden agenda.
We looked at 26 features of cover relevant to electric or hybrid cars in our analysis of 66 policies. We gave each policy a percentage electric/hybrid car score reflecting how fully each policy covers electric and hybrid cars.
The policies that made our table:
- Cover at least 75% of your car's equipment (car battery, charging cables, wallbox charging station and charging adaptors) against fire, theft and accidental damage.
- Cover at least 75% of your car's equipment (car battery, charging cables, wallbox charging station and charging adaptors) in the car, in the home or in a garage.
- Have an average or better policy score (at least 62%).
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