Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Hybrid vehicles are powered by a combination of more than one energy source; gas and electric power in most cases
  • Most United States citizens who make the decision to ditch gas only vehicles for hybrid vehicles are motivated by environmental concerns other than economic reasons
  • The popularity of hybrid vehicles has grown tremendously in the last decade or so, but the cost of insuring hybrid vehicles continues to increase
  • Many auto insurance providers offer eco-friendly discounts to hybrid car owners but auto insurance costs remain relatively high
  • In the US, hybrid vehicles are generally more expensive than their gas-only siblings and that’s the main reason why purchasing auto insurance coverage for a hybrid is considerably more expensive

Hybrid vehicles run on both traditional fuel and electric power. Hybrids can switch to electric power to avoid using gas for extended periods of time thus saving a few bucks on gas money for the driver.

The only problem is that the owner will most likely spend the saved money on the high auto insurance costs that come with a hybrid car.

However, auto insurance rates for hybrid cars vary across different companies. When shopping for coverage for your hybrid, compare as many online quotes as you can. You’ll end up saving a lot on your hybrid’s insurance.

How Hybrid Cars Work

Hybrid vehicles have two engines:

  1. an electric motor
  2. a conventional diesel or gasoline powered engine

The electric motor either substitutes or supports the combustion engine resulting in less CO2 emissions and more fuel efficiency as compared to regular cars. There are

There are different variations of hybrid vehicles. At slow speeds, hybrid cars primarily draw power from the electric motor. The gas engine kicks in when greater acceleration is required.

Plug-in hybrids are remarkably similar to electric cars. Plug-in hybrids are basically electric cars that revert to the conventional propulsion when battery levels go down.

The vehicle will use gas until you plug it in and recharge. The chances of getting stranded in the middle of nowhere are highly reduced unless you forget to fill the tank.

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Insuring a Hybrid Car

Despite their growing popularity, auto insurance rates for hybrid cars are still significantly higher than gasoline-only vehicles.

But here’s a little insight on the reason behind the skyrocketing auto insurance rates for hybrid cars.

Hybrid owners are assumed to be careful and safe drivers wanted by all auto insurance providers. Well, that’s generally true, but it’s not always the case.

Due to hybrid vehicles’ fuel efficiency, they tend to attract drivers who spend a lot of their time on the move. Annually, hybrid vehicles record about 25 percent more mileage that gasoline only cars.

The more time a vehicle spends on the road, the higher the probability of getting into an accident hence higher auto insurance rates.

More Costly to Repair in Case of Damage

Hybrid vehicles are propelled by highly complicated combustion engines made from a combination of electronic and fuel components.

If an accident results in damage, these engines can only be repaired by highly specialized mechanics which could cost a lot.

Even small damages require special skills to fix. It is also not easy to find such a mechanic.

In addition to the high cost of repair, hybrid vehicles’ spare parts are incredibly expensive. Hybrid cars are designed to protect the environment and reduce fuel consumption by leveraging revolutionary technology to do so.

For instance, the cost of replacing a damaged battery in older low-end model hybrid vehicles could cost up to $4000. The high cost of replacing parts of a hybrid car as well as the high repair costs contribute toward the skyrocketing auto insurance rates.

Hybrid vehicles are more expensive than their gasoline-only powered versions.

The more expensive the car is, the more costly it would be to repair or replace it in the event of an accident where the car is totaled or has sustained extensive damage.

Higher Insurance Claims

A hybrid car owner is more likely to file a claim compared gas-only car drivers. As mentioned earlier, hybrid vehicles tend to appeal to drivers who spend a lot of time behind the wheel.

More time on the road translates to higher accident probability hence more claims.

The insurance companies will then transfer these losses to the primary consumer in terms of higher auto insurance costs.

The cost of insuring hybrid vehicles is expected to decrease in the next few years when hybrid vehicles become more popular. Currently, big engine gas-powered SUVs are still the most popular vehicles in the United States.

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Rise in the Popularity of Hybrid Cars

People don’t like drastic changes, which is why hybrid cars are more popular than electric vehicles. Hybrids have a lot of similarities with conventional traditionally fueled cars; you can drive to a gas station and fill it with diesel or gas at any time.

They are more practical than EVs. Normally, electric cars aren’t built to travel long distances or move at high speeds. The only upside to owning an electric car is their eco-friendly nature; they emit no gas whatsoever.

When it comes to auto insurance, you can always cut down your rates through comparison shopping. It doesn’t matter whether you drive a regular car, a hybrid or an electric vehicle. Don’t let

Don’t let high auto insurance rates keep you from protecting the environment. Compare and save today!