Finding Affordable Insurance for Hybrid Cars

Finding affordable auto insurance for hybrid cars can be difficult. However, you can keep your monthly rates low by comparing quotes and even applying a hybrid car insurance discount.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 22, 2022

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The Rundown

  • Without some additional discounts, insurance rates for hybrid cars can sometimes be higher than comparable gas vehicles
  • Many discounts are available, making the rates for some hybrids lower than similar gas-powered ones
  • Comparing available discounts and insurance rates from different companies can help you choose a policy that suits your needs

Hybrid vehicles are more efficient and environmentally friendly than many gas-only options, and they don’t have the range limitations of purely electric cars. You won’t have to worry about looking for a charging station with a hybrid, and many vehicles have all-gas and all-electric modes to let you prioritize power or efficiency. 

Read on to learn why some insurers could charge more for a hybrid, available discounts for hybrids, and other ways to get the cheapest car insurance quotes.

How to Get Affordable Auto Insurance for Hybrid Cars

Insurance rates for a hybrid are typically higher than those for similarly-sized standard car insurance. That’s because hybrid vehicles are usually worth more than comparable gas-powered cars. 

Many insurance companies offer discounts for hybrid cars. Typically, hybrid owners are experienced drivers with good credit scores, and they’re often loyal customers who make their payments on time. 

As a result, insurance companies like Travelers and Farmers offer green vehicle car insurance discounts, which take 10% off regular rates for green vehicles like hybrids. Many companies also offer discounts for electric vehicles.

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Can you get a hybrid car insurance discount or other auto discounts?

Many insurance companies offer discounts to people with more education, like an advanced degree and a high GPA, as well as a good student discount to high school and college students. 

In addition, certain occupations often qualify for discounts, including:

  • Active military personnel
  • Honorably discharged veterans
  • Police officers
  • Firefighters
  • Teachers
  • Medical professionals 

USAA offers some of the lowest car insurance rates, but the company only accepts people with a veteran or active-duty member of the United States military in the household. 

Being married, living in an area with a low crime rate, and keeping your vehicle in a garage can help you save money on your auto insurance rates as well. Getting your homeowner’s or renter’s insurance from the same company can result in further bundling discounts.

Is there a discount for safety features?

Hybrids also come with a wide range of advanced safety features that can reduce car insurance rates. 

These features often include lane-keeping assistance, forward and rear collision mitigation with automatic emergency braking, adaptive cruise control, a driver alertness monitor, and camera systems to increase visibility. Some vehicles also have front and rear parking assistance, parallel parking assistance, and self-driving capabilities. 

You can compare the insurance rates offered by different companies to find affordable insurance for hybrid cars. Hybrids are versatile, environmentally friendly, and good for long commutes. Hybrid car owners can often take advantage of various car insurance discounts.

Auto Insurance Rates for Hybrid Cars Can Sometimes Be Costly

Hybrids contain sophisticated electronic systems, and they’re typically more costly to repair than vehicles with gasoline engines. With cheap hybrids, rates can be lower than with more costly gas cars.

Hybrid owners tend to drive often or cover long distances to take advantage of high gas mileage. More time on the road makes them more likely to get into accidents. Hybrids also have quiet engines, so they occasionally surprise pedestrians and cyclists before they can avoid the vehicle. These characteristics can sometimes make insuring a hybrid more costly, but there are many discounts available that could make rates lower than they would be with a conventional vehicle.

If you can afford to replace the vehicle after an accident, one option to cut costs would be to get liability-only insurance. It’s less expensive than full coverage, but it only covers damage or injuries to other people if you’re at fault for an accident. 

Final Thoughts on Affordable Car Insurance for Hybrid Cars

Although inexpensive gas cars, trucks, and SUVs are less costly than hybrid vehicles, you can still find affordable insurance for hybrid cars. Discounts are often available as well. Just compare quotes and do your research carefully.

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