How much more expensive is new energy insurance than fuel cars

The unit price is $21 more expensive. Although the insurance of electric cars and traditional fuel cars, but the premium of electric cars is higher than the same grade of traditional fuel cars. The reason is very simple, due to the car insurance insurance premium prices are determined by the price of the car, and the cost of new energy vehicles and traditional car cost difference is more, new energy vehicles car price is generally higher, the premium is also correspondingly higher. Part of the pure electric car to enjoy subsidies before the original price of insurance, so that the premium will be higher. And the batteries can't be insured separately at the moment.

Recently, a car owner bought a 150,000 yuan of new energy vehicles, but for the car insurance found that the new energy vehicles to buy full insurance scrapped surprisingly more than the same price of traditional fuel cars to pay 2,000 yuan. A netizen on the Internet put out the Tesla's policy, the original 8278.62 yuan of premiums into 14902.52 yuan, a full more than 6600 yuan. According to the premium of the policy program, it is the car damage insurance piece of the premium increased more, from the original almost 6,000 yuan to 12,000 yuan.

But insurance insiders say, net rumors of Tesla premiums skyrocketed authenticity to be examined, new energy vehicle premiums did go up, the reason for the rise is the increase in car damage insurance liability caused by the increase. In addition, the new energy vehicle maintenance is expensive, as well as the high insurance rate is the main reason for the increase in premiums, but did not rise so much.

Some netizens said that the premiums of Xiaopeng and Azure have also risen, in which Xiaopeng P7 rose from 4,912 yuan to 6,369 yuan, and Azure ES8 rose from 6,098 yuan to 7,838 yuan; however, the premiums of BYD and Rongwei fell, Qin new energy premiums from 4,538 yuan to 4,304 yuan, and Rongwei E50 fell from 4,902 yuan to 4,548 yuan.

As things stand now, insurance for new energy vehicles is about 2,000 yuan more expensive than for fuel vehicles, bringing the cost of new energy vehicles to a level similar to that of fuel vehicles. But because it is in the early stages, the new regulations have not yet been widely applied in practice, so insurance companies underwriting too cautious resulting in high premiums, the next premiums should be reduced.