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Discussion Starter #1
Daughter (19) is learning to drive. Once she has passed, she might want a car. Which EV is cheapest to insure?
 

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It's impossible to say, as car insurance is very much a dark art of algorithms.

The only definitive answer would be to find a few examples on Autotrader of different options within budget and try them through an insurance comparison site.
 

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Daughter (19) is learning to drive. Once she has passed, she might want a car. Which EV is cheapest to insure?
It's impossible to say without a great deal more information !

However, get yourself a batch of possible contenders and find a number plate for them (walk round car parks, dealers' forecourts & scour online & press ads). Then fill daughter's details into a car insurance comparison website and compare quotes.
 
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It's impossible to say, as car insurance is very much a dark art of algorithms.

The only definitive answer would be to find a few examples on Autotrader of different options within budget and try them through an insurance comparison site.
SNAP !
 

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Daughter (19) is learning to drive. Once she has passed, she might want a car. Which EV is cheapest to insure?
A good guide will be the insurance group, as obvious as it sounds, and due to her age, the smaller and slower it is, the lower insurance group and cheaper it should be. Moderately speaking most BEV's are quite powerful and quick, especially compared to small engined 1.0 ltr, 1.2 ltr non turbo petrol cars, your typical ICE starter cars.

If i had to take a wild guess, the older Pugeout ION / Mitsubishi MIEV and clones or the old VW-e-up, for something modern with more range, the 2020 VW e-up , Skoda Citigo or SEAT Mii. Maybe a Smart Fourtwo BEV ?

To get an idea just bung them one by one into gocompare.com or comaprethemarket.com
 

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The Zoe and MG seem dirt cheap to insure - comparable to a regular Ford Focus or something... or at least cheaper than the slightly more lively cars I considered over the last year.
 

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Daughter (19) is learning to drive. Once she has passed, she might want a car. Which EV is cheapest to insure?
"She MIGHT want a car"? 😂
Trust me, she already knows exactly what car she wants...all kids are the same 😂
Regarding the insurance, as everyone above have said, pick one of the comparison websites and start hunting.
Good luck (y)
 

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As a guide...


Personally, for our 19yr old daughter, it was going to be about £3500 to insure a £6k Zoe. Or £950 for a cheap Aygo... That eventually became about £1300 for a £5k 2016 Twingo.
 

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Indeed. It also wasn't worth adding her to my policy.

A year on and the Twingo was £850 or so to renew.

Turned 21 yesterday so she might be able to try the Zoe TP only now!
 

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Discussion Starter #11
Interestingly not so bad...

Made up a small-engined fiat 500 and put the wife and myself on it - £162/year.
Added daughter, and it only went up to £872.

Switched it to a Renault Zoe and only £1,195

Slightly surprised, I've got to say!
 

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Cheapest EV to insure :unsure: one of these happens to be the cheapest to buy too 🤣

Seriously though she's doing this the wrong way round you should have bought her a car like my dad did and then left it sat round for years as I couldn't afford driving lessons and he wouldn't teach me my first insurance was nice and cheap though as I was 25 by the time I passed! Shame the Escort was well and truly buggered by the time I could drive it!
 

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Interestingly not so bad...

Made up a small-engined fiat 500 and put the wife and myself on it - £162/year.
Added daughter, and it only went up to £872.

Switched it to a Renault Zoe and only £1,195

Slightly surprised, I've got to say!
Be careful, putting you or wife as main driver and adding your daughter would be "fronting" if she mainly drove it. Insurance companies are getting very wise to it.

 

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Discussion Starter #16
And now I find that just putting her on my wife's Fiesta is only £812?!
I think moving to the countryside (we're between Saffron Walden and Cambridge) has had a massive effect on the insurance costs. My Tesla S75D is £481 up here. Swings and roundabouts, though, the house (with a thatch) was a lot more than our London place....
 

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Discussion Starter #17
BTW, she would just be occasionally using the wife's car when at home, no fronting going on. And when I said she wanted a car - it was really more "use of a car".

Obvs when it comes to her owning her own car - with no NCD etc, that's when prices will go crazy. Time will heal that one....
 

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Interestingly not so bad...

Made up a small-engined fiat 500 and put the wife and myself on it - £162/year.
Added daughter, and it only went up to £872.
Beware of accidental insurance fraud in which the main driver is actually declared as an added driver.

 

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Be careful, putting you or wife as main driver and adding your daughter would be "fronting" if she mainly drove it. Insurance companies are getting very wise to it.

I have a hypothesis.

There is a reverse irony, in which added drivers are not active drivers - they build up years of NCB before starting to actively drive, by which time they have preferential insurance premiums, and when they finally get behind the wheel they have forgotten their driving instructor are an actual road hazard!

How else do you explain middle aged drivers who cannot park straight and are too cautious to pull away at circles?
 
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