Best Auto Insurance for Hybrid Vehicles (2024)
Auto insurance for hybrid vehicles can be expensive. The average hybrid car insurance cost is 17% higher than for gas vehicles. Our experts cover the best auto insurance for hybrid vehicles as well as how to get the hybrid car insurance discount to help obtain the cheapest auto insurance for hybrid vehicles.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Feb 16, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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 you drive, the expense of replacement parts and service, and other factors will all make a difference when it comes to auto insurance for hybrid vehicles.
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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 of getting into an accident.
Hybrid owners clock more miles mainly due to how little money comes from their pockets. It may cost a hybrid owner pocket change to drive to grandma’s house for Christmas instead of stressing over airfare.
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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.
Read more: Does auto insurance cover battery replacement?
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 are then turned in to auto insurance companies. These companies tend to frown when a headlight costs a few hundred instead of a few Lincolns.
You may be able to offset the cost of auto insurance for hybrid vehicles a bit with a hybrid car insurance discount, also known as a “green vehicle discount.” While Farmers and Travelers each offer a 10% discount, and Geico offers a 5% discount, if you have a different insurer or are shopping around, ask them about this discount.Justin Wright Licensed Insurance Agent
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 likelihood 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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Frequently Asked Questions
Is insurance higher for a hybrid car?
In general, the rates on auto insurance for hybrid vehicles are comparable to those of their gasoline-powered counterparts. However, factors such as the make and model of the hybrid vehicle, its repair costs, and its safety features may influence the insurance premiums.
Is there a hybrid car insurance discount?
Yes, some insurance companies offer discounts for hybrid vehicle owners. These discounts can vary between providers, but common discounts include those for eco-friendly vehicles, hybrid-specific safety features, and fuel efficiency.
What factors influence the insurance premiums for hybrid vehicles?
The factors affecting the cost of auto insurance for hybrid vehicles are similar to those for traditional vehicles. These factors include the driver’s age, driving history, location, coverage options, deductible amount, the value of the hybrid vehicle, and the cost of repairs and replacement parts.
Are hybrid vehicles more expensive to repair, and does that affect insurance premiums?
Hybrid vehicles may have slightly higher repair costs due to their advanced technology and specialized components. These increased repair costs can impact insurance premiums, as insurers take into account the potential expenses of repairing or replacing damaged hybrid-specific parts.
Do hybrid vehicles qualify for any special coverage options?
Hybrid vehicles are generally eligible for the same coverage options as traditional vehicles. However, some insurers may offer specialized coverage options for hybrid vehicles, such as coverage for electric motor or battery damage, or coverage for charging equipment.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.