E-car owners pay significantly lower insurance premiums
Published: Tuesday, Mar 5th 2024, 00:40
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The number of electric cars on Swiss roads is steadily increasing. The purely electric cars are not only interesting because of their high energy efficiency, but also because less has to be paid for insurance, as the comparison portal Comparis noted in an analysis on Tuesday.
In 2023, the proportion of e-cars among newly registered passenger cars in Switzerland will have risen to around a fifth and the increase will continue, Comparis wrote in the press release accompanying the analysis. This is not least due to the fact that insurance premiums for purely battery-powered electric cars are up to 22 percent lower than those for combustion engines.
The difference in insurance prices between e-cars and combustion cars is astonishing, as the damage to an electric vehicle is usually more expensive than to a combustion car, Comparis continues. This is probably due to the high cost of batteries and their replacement. At the same time, however, there is disagreement in the industry as to whether the driving aids and sensors in electric cars lead to fewer accidents or not.
Biggest differences at Hyundai
In the analysis, Comparis examined the insurance premiums of six electric cars and six comparable combustion engine models. The analysis also included other characteristics and factors such as the region, age and gender of the vehicle owner or the car brand.
The biggest price differences among young female drivers in urban regions in Ticino were found for the Hyundai car brand. The average insurance premium for the Kona Electric model there is CHF 1966 per year. For the combustion model, the Kona 2.0, the premium is CHF 2530. This makes the premium for the electric model 22 percent cheaper.
In the city of Zurich, young female drivers pay CHF 1644 for the Hyundai e-model and CHF 2091 for the combustion engine, resulting in a saving of 21 percent. In the city of Geneva, this difference is just as significant for the same driver profile.
More expensive for young drivers
According to Comparis, age is the factor that leads to the greatest differences in premium calculation. To give an example: A 20-year-old Mini driver in Bern pays an insurance premium of CHF 1221, whereas a 30-year-old Mini driver pays CHF 711.
Meanwhile, according to the analysis, gender has little influence on the premium. However, it is more expensive to insure a car in urban regions in Ticino and French-speaking Switzerland compared to urban regions in German-speaking Switzerland.
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