Is Insuring Electric Cars Different from Regular Cars?

Last updated on : 01 May 2024
3 min read

With the growing popularity of electric cars, many drivers are considering making the switch to more eco-friendly and energy-efficient vehicles. However, one common question that arises is whether insuring an electric car is different from insuring a regular gasoline-powered car. If you're considering purchasing an electric vehicle (EV) in the UAE, you may wonder whether insuring an electric car is different from insuring a conventional gasoline-powered car. In this article, we will explore the unique aspects of insuring electric cars in the UAE and compare them to insuring regular cars.

Electric Cars
Regular Cars

Vehicle Cost

Typically higher upfront cost

Lower upfront cost

Depreciation Rate

Slower depreciation

Faster depreciation

Maintenance Costs



Fuel Costs

Lower (electricity vs. gas)

Higher (gasoline expenses)

Environmental Benefits

Reduced carbon footprint

Higher greenhouse emissions

Insurance Premiums

Generally lower

Typically higher

Charging Infrastructure

Expanding, but not as widespread as petrol stations

Widely available petrol stations

Government Incentives

Subsidies and tax breaks for EVs

Limited incentives for regular cars

Safety Features

Often equipped with advanced safety tech

Varies by model

Electric Cars vs. Regular Cars: Insurance Premiums in the UAE

Insurance premiums for electric cars in the UAE often differ from those for regular cars. Several factors contribute to this difference:

  1. Features: Electric cars typically come equipped with advanced safety features, which reduce the likelihood of accidents. Insurance companies may offer lower premiums for EVs due to these safety advancements.

  2. Maintenance Costs: Electric cars tend to have lower maintenance costs than conventional cars due to fewer moving parts. Insurers may consider this when setting premiums.

  3. Government Incentives: The UAE government encourages the adoption of electric vehicles through subsidies, tax breaks, and reduced registration fees. These incentives can translate into lower overall costs, including insurance premiums.


In the UAE, insuring an electric car can be different from insuring a regular car, with potential cost advantages for EV owners. Lower maintenance costs, government incentives, and advanced safety features can contribute to more affordable insurance premiums for electric vehicles. However, it's essential to consider other factors, such as the initial cost of the vehicle and the availability of charging infrastructure in your area.

Ultimately, the choice between insuring an electric car or a regular car in the UAE depends on various factors, including your budget, driving habits, and environmental concerns. Always compare insurance quotes from multiple providers to find the best coverage and rates tailored to your specific situation.

By staying informed and making a well-informed decision, you can enjoy the benefits of electric vehicles while ensuring that your insurance coverage meets your needs and budget in the UAE.

Disclaimer: Shory aims to present accurate and up to date information, however we take no responsibility or liability for any errors or omissions in the content.