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 January to March 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. MG ZS EV – £471.81

The petrol version of the MG ZS has been around for a few years, but the fully electric version is a much newer addition, with its release in 2019.

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

2. Renault Zoe – £496.34

The Renault Zoe is roughly the size of a Fiesta and can do around 150 miles on a full charge. It costs less than many of its 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.

3. Nissan Leaf – £528.73

Originally launched in 2011, the Nissan Leaf is now in its second generation. It’s more spacious, with better acceleration and does 0-60mph in eight seconds.

The Leaf has the same Type 2 connector as many of its rivals, with the bonus of the CHAdeMO connector for fast charging. Using a 7kW home charger takes around eight hours from empty, but you can reach 80% charge in around 40 minutes with the 50kW CHAdeMO charger. The RRP starts at £31,440.


4. Hyundai Ioniq – £562.00 

Launched in 2016, the Ioniq was the first car available as an electric, plug-in hybrid or hybrid. Futuristic-looking, comfortable, easy to drive and well equipped, this practical family hatchback was updated in 2019. 

The hybrid model's electric motor works with the petrol engine to improve fuel economy, lower CO2 emissions and maximise acceleration when required, while the switch between pure electric, hybrid and petrol-only driving modes is seamless in the PHEV. 

Prices start at just over £23,000, and for extra peace of mind, the Ioniq comes with a generous five-year warranty. Find out more about this car in our Hyundai Ioniq review.

5. BMW i3 – £575.36

The latest BMW i3 120Ah model is a nippy little rear wheel drive, capable of around 160 miles on a full charge. The suspension is quite firm, making for a bumpy ride on a road with potholes!

Starting at £34,445, the i3 isn’t cheap, but it has a classy interior and comes with climate control, rear parking sensors, heated front seats and automatic wipers as standard. The car also comes with a three-year, unlimited mileage warranty, and the battery is covered for 100,000 miles or eight years.

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.