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Lifestyle Guides

The five cheapest hybrid and electric cars to insure

We’ve provided thousands of insurance quotes for hybrid and electric vehicles so we crunched the numbers to find out which have the most competitive insurance prices.


Take a look at the lowest average annual premiums for Electric Car Insurance based on sales from October to December 2020. 

Please note all figures used are averages based on internal data where there’s a minimum of 50 cars on our system, and they don’t take into account other data relating to demographics and behaviour that can affect insurance prices. 

1. Volkswagen ID.3 – average annual premium: £423.35

Volkswagen ID.3
Source: Wikimedia Commons

The ID is Volkswagen’s electric sub-brand, and this first model in the range effectively replaces the e-Golf. The ID.3 is a similar size to its earlier counterpart, but its futuristic shape sets it apart from other hatchbacks currently on the market. 

Inside, the design is minimalist, with a 10-inch floating centre screen and a small display in front of the driver. It feels light and airy, and there’s plenty of space for the driver and passengers, while boot capacity also feels generous. 

The ID.3 is a fast and agile car, capable of doing 0-62 mph time in 7.3 seconds. Range is up to 260 miles. 

  • Related: Read about the Volkswagen ID.4, which is due out this year, in 10 of the best new cars coming in 2021

2. Hyundai Tucson – average annual premium: £444.65

Hyundai Tucson
Source: Wikimedia Commons

The Hyundai Tucson is a compact SUV, currently in its fourth generation. This most recent version has seen a decent makeover, with a range of electrified engines and lots of tech.

Initially available with petrol and mild hybrid engines, the range now also includes a plug-in hybrid with a fully electric range of around 30 miles. The battery pack is under the vehicle, so it doesn’t take up valuable space in the cabin or boot. This means internally the Tucson has plenty of leg and head room, and the boot size is a very decent 616 litres. 

It’s not the most comfortable SUV available, and there are better options for handling too. But it’s a decent SUV, and if interior quality and space are high up your list of must-haves, it’s definitely worth a look. 

3. MG ZS EV – average annual premium: £447.18


The fully electric version of the MG ZS was released in 2019, and it’s a step forward for the range which last saw a petrol release several years ago.

Powered by a 44.5 kWh battery, this family-friendly crossover has a range of up to 163 miles on a single charge according to MG’s website – an area where it’s lacking compared to others in its class. But the safety-conscious will be pleased to hear it scored a five star Euro NCAP safety rating in December 2019.  

The MG ZS is one of the most affordable crossover EV currently available, starting at £25,495 when you take off the Government’s grant of £3,500.

4. Peugeot e-208 – average annual premium: £465.94

Peugeot e-208
Source: Wikimedia Commons

Crowned European Car of the Year for 2020 over the likes of the Tesla Model 3 and Porsche Taycan, the Peugeot 208 is a stylish supermini with a bold design.

There’s a lot of useful technology within the classy interior, with a 7-inch touchscreen infotainment system as standard and a possible 10-inch screen with higher trim levels. 

Head and legroom in the front are good, with a decent amount of space in the back too. And happily, the boot space in the e-208 is identical to that of the conventionally powered 208. 

Although it’s also available with conventional engine options, the 100% electric version has an official range of 217 miles on a full charge.

5. Renault Zoe – average annual premium: £471.10

Renault Zoe

Roughly the size of the Fiesta, the Renault Zoe can do around 150 miles on a full charge. It costs less than many of its similar-class rivals, starting at £21,470, but with the cheapest versions you lease the battery separately, with a monthly fee dependent on your annual mileage.

The Zoe comes with lots of equipment as standard, including a 7kW charger that Renault installs at your home free of charge. Using this to charge your Zoe from empty will take seven to eight hours, but it takes two hours 40 minutes from a 22kW charging point.

Learn more about eco driving

For more information on hybrid and electric cars, take a look at our myth-busting eco-driving hub. Or if you have your eye on one of these green vehicles, use our eco-friendly car comparison tool and see which cars are right for the environment, and right for you.