How Your Hybrid Just Might Cost You More in Auto Insurance

Did you know that a hybrid vehicle could cost you more on your auto insurance? Rates for hybrid vehicles were found to be 17% higher than for gas vehicles.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 26, 2022

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Things to Remember...

  • The rise in hybrid sales might be good for the environment, but your auto insurance company does not like it
  • Driving a hybrid can cost more to insure than a standard vehicle
  • The more miles you drive, the higher the risk of having an accident

Hybrid cars are taking the fast lane by storm. This rise in hybrid sales might be good for the environment, but your auto insurance company does not like it.

It is currently predicted that auto insurance rates on hybrid cars are about to climb higher than those gas-chucking SUVs. Things like the amount your drive, the expense of replacement parts and service and other factors will all make a difference.

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Hybrid Drivers Clock More Distance


Research is showing that hybrid car drivers spend more time behind the wheel. Those miles you’re clocking have an impact on your auto insurance rates.

One of the reasons you have to turn in your mileage and model year to your agent is to show your driving profile. The more miles you clock, the more you’re at risk for getting into an accident.

Hybrid owners clock more miles mainly due to how little money comes out of their pockets. It may cost a hybrid owner pocket change to drive to grandma’s house for Christmas instead of stressing over air fare.


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Repair Costs are Substantial

Repairing a hybrid is not a simple task. It now takes specialized mechanics to work on all the technology that runs a hybrid. This cost plays a large role in your auto insurance premiums.

Auto insurance companies are looking at the average cost to repair a hybrid in an accident.

This might seem minor to some, but when you add that up over thousands of insured hybrids the costs get astronomical.

Aftermarket Parts Just Don’t Rock


The hybrid parts market has not come of age either. Hybrids are still relatively new.

Scrap yards have yet to acquire large surpluses of parts to help mechanics in the repairs of these vehicles.

These repair bills then are turned into auto insurance companies. These companies tend to frown when a headlight costs a few hundred instead of a few Lincolns.

Auto insurance companies will have to recuperate that cost in some form, which does not lead to cheap auto insurance.

It’s All About the Sales

Sales were not that huge when hybrids first started coming onto the market. Sales have rapidly increased over the past decade.

While this is a great indicator of how well hybrids are being received, it means the likely hood of having an auto insurance claim come in on a hybrid vehicle is much higher.

There are several cars out on the road that are better when compared to a hybrid car when it comes to miles per gallon. You may have to learn how to pump some diesel fuel instead though.

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