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Auto Insurance with Gas vs Hybrid vs Electric Cars
Key insurance factors to keep in mind when you are looking to purchase a new vehicle.
When choosing between a gas, hybrid, or electric vehicle, it’s important to understand how each option affects your auto insurance rates. Finding cheap auto insurance or affordable auto insurance can depend heavily on the type of car you drive. Let’s explore the differences in auto insurance costs for gas, hybrid, and electric cars.
Gas Cars:
How They Work: Gasoline-powered cars use internal combustion engines. Fuel ignites in the cylinders, creating mechanical energy to move the wheels.
Insurance Costs: Gas cars tend to have lower insurance premiums due to their widespread use and the affordability of repairs. If you compare auto insurance options, gas cars typically offer some of the cheapest premiums. For more information on insuring a gas vehicle, visit Protect.com.
Electric Cars:
How They Work: Electric cars run on stored battery power. An inverter converts this energy to drive an induction motor, which propels the wheels.
Insurance Costs: Electric vehicles tend to be more expensive to insure. Their higher purchase prices and costly repairs contribute to increased premiums. On average, electric car insurance costs around $2,280 per year, making it harder to find cheap auto insurance for these vehicles.
Hybrid Cars:
How They Work: Hybrids use both electric and gasoline engines, switching between the two based on driving conditions.
Insurance Costs: Hybrid vehicles generally fall between gas and electric cars in terms of insurance costs. While more expensive to insure than gas-only cars, hybrids are still more affordable than electric vehicles. When you compare auto insurance quotes, hybrids may strike a balance between fuel efficiency and affordable auto insurance.
Gas cars are often the cheapest to insure, followed by hybrids, and then electric vehicles. Keep these factors in mind when choosing your car insurance.
Compare Top Providers And Save With Protect.com
Protect the things that matter most to you with Protect.com. Whether you are looking for auto insurance, security, warranties or more, Protect.com can help you quickly and easily comparison shop the nation’s top providers.
Protect.com: Comprehensive guide to auto insurance costs.
Sources: Insurance Journal: Auto insurance trends for gas, hybrid, and electric cars.
FinanceBuzz: Breakdown of electric vehicle insurance costs in 2025.
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