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There are differences! Insurance companies really like electric cars because there are fewer mechanical claims and batteries are expensive to repair, so they factor that in. On the other hand, gas cars are more standard, rates are often lower but it really depends on your car and the model. My advice is to get quotes from several insurers, no two companies have the same policy on this kind of stuff!
It's true that insurers really do look at electric cars differently! Personally, I asked for quotes for our next vehicle and I was shocked to see that it wasn't necessarily cheaper - actually it depends a lot on the company and the model you choose! Some insurers offer nice discounts for electric cars, others think it's too risky or expensive to repair so they jack up the rates. You really gotta shop around and call directly because what you read online doesn't always match up with what the actual quotes look like!
That's true, but you also gotta think about cases where you live far from a charging station - some insurers charge you more for that, it's kinda weird. On my end with my florist job I use an old gas car, the premiums are lower but my dog hates the smell of diesel so well... haha. For real though it all depends on your insurer and especially where you live, there's no real fixed rule.
It's something that surprised me when I started getting interested in electric cars! Like I mentioned earlier, there are clearly differences, but it's more nuanced than just "electric cars are cheaper". I looked at quotes for an electric vehicle last year and I discovered that it really depends on the insurer - some of them love them because there's actually less of the typical mechanical wear and tear, but others are more cautious about batteries and bodywork repairs specific to electric vehicles. It's crazy how a battery that doesn't charge properly or a short circuit can cost a fortune. So some insurers add higher deductibles just to cover those risks.
What really surprised me is that the price also depends hugely on where you live. Like if you're in an urban area with tons of charging stations, it's generally cheaper because you use the car less in a stressful way. But the opposite is true too - if you're in the countryside like some of my interior design clients, there are insurers who charge you more because you're "too far" from the infrastructure, which apparently creates more risks. It's kinda weird logic but whatever. My advice is really to check directly with several insurers before making your decision, because the differences can be really significant depending on your location and your driving habits.
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