About hybrid cars and insurance

The demand for hybrids continues to grow, and as a result, so does the need for hybrid car insurance. Hybrid auto insurance policies are relatively new, just like hybrid vehicles. Coverage that caters to this vehicle type has only been around since the late 1990s when the Toyota Prius and Honda Insight became available.

Today, hybrid cars are available in many makes and models, including SUVs. Options for hybrids continue to evolve and change and an increasing number of insurers offer car insurance policies.

How does hybrid car insurance work?

rear light of a white hybrid car

A hybrid car combines a gas and an electric motor. They work together to move the vehicle. It uses a system to recapture energy through the braking system. They are not fully electric.

Car insurance for hybrid vehicles works the same as other policies. Drivers need to a minimum of $200,000 in third-party liability. Mandatory coverage also includes accident benefits, direct compensation property damage (DCPD), and uninsured automobile coverage.

Most people also add optional coverage to increase plan limits. It’s common to add comprehensive or collision coverage. Speak with your provider about coverage requirements specifically for hybrids.

Is car insurance for a hybrid car more expensive?

Rates for hybrid cars can be higher compared to other similar vehicles. They are more to insure because they are worth more, are more expensive to repair, and have expensive replacement parts. This is also the same for electric car insurance.