In Spain, electric mobility has taken a significant step forward, redefining the insurance landscape for vehicles. With the rise of zero-emission cars, insurers have transformed their offerings, introducing specific coverages for these vehicles, such as battery protection, the charging cable, and specialized assistance in case the battery runs out.
Looking ahead to 2025, significant changes are expected in the market for electric car insurance, among which the 7% reduction in premiums for extended third-party policies stands out, with an average cost of 313 euros per year. However, the overall cost of insuring an electric vehicle can be up to 13% higher than for a gasoline one. This is mainly due to the higher cost of repairs and the lack of specialized workshops, which underscores the need for proper information for drivers.
When purchasing insurance for an electric vehicle, it is crucial that owners verify the key coverages, ensuring that the policy includes protection for the battery, the charging cable, and specialized assistance. Additionally, it is important that the premium paid accurately reflects the type of vehicle, since without the proper coverages, costs can be between 10% and 30% higher.
The choice of an appropriate policy must also consider the use of the vehicle and the availability of specialized workshops, factors that directly influence the cost. This shift in mobility encourages drivers to adapt to a more sustainable era, ensuring that their mobility choice is backed by adequate protection that avoids surprises and ensures a safe driving experience.
