Compare the best hybrid car insurance quotes in Canada
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What is hybrid car insurance in Canada?
Matt Hands, VP, Insurance
Hybrid car insurance is just like regular auto insurance, but it's tailored for hybrid vehicles. While policies still include the same essential coverages as those for traditional cars – such as for third-party liability and accident benefits – insurers may also offer additional options to address the specific needs of hybrid cars.
The different types of hybrid vehicles
There are two main types of hybrid vehicles: hybrid electric vehicles (HEVs) and plug-in hybrid electric vehicles (PHEVs). Here are the main differences between them:
| Hybrid vehicle | Description |
| Hybrid electric vehicle (HEV) | HEVs don't have an external plug like other electric vehicles. Instead, they consist of a gas engine and an electric motor, while emissions are reduced with the motor. |
|---|---|
| Plug-in hybrid electric vehicle (PHEV) | PHEVs have an electric motor that can be recharged using a plug – but they also have an internal combustion engine. Essentially, the car runs on gas after the battery runs out. |
While this is not always the case, PHEVs can be more expensive to insure. The additional electrical components – as well as expensive batteries – can increase these vehicles' repair and replacement costs, causing insurers to charge higher premiums.
Types of hybrid car insurance in Canada
As previously noted, the mandatory auto insurance requirements for hybrid cars are the same as those for conventional, gas-powered vehicles. Hybrid vehicle policies can also be tailored with the same optional coverages. Here are the primary types of insurance you should be aware of:
Third-party liability
Accident benefits
Uninsured motorist
Direct compensation for property damage
Collision
Comprehensive
Optional endorsements
Hybrid vehicle insurance add-ons
While the core types of auto insurance for hybrid vehicles are the same, some providers offer extended options, catered specifically to hybrid vehicles. Be sure to ask your insurer about the following:
Extended battery coverage
While your battery may already be protected, it's a good idea to ask your insurer about extended coverage for expensive hybrid vehicle parts.
Extended roadside assistance
You can inquire about specialized roadside assistance for hybrid vehicles, such as electric motor support.
Green vehicle replacement
If you have loss of use (which pays for temporary transportation after a claim), some insurers offer coverage for renting a green vehicle.
Repair shop access
Hybrid cars come with specialized technology, so be sure to ask if your insurer provides access to specialized body shops with certified technicians.
At-home charger coverage
If you drive a PHEV, chances are you also have an at-home charger. Some insurers offer coverage for this, paying for repairs or replacements if needed.
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How much is hybrid car insurance?
Like any type of auto insurance, the cost of hybrid car insurance differs on a case-to-case basis. You won't know the exact cost you'll be paying until you shop around.
For reference, however, here are a few sample quotes we pulled from our auto insurance quoting tool based on some of the most popular hybrids in Canada. Each quote is representative of the lowest option presented to a hypothetical driver: a 40-year-old male, living in Toronto, Ontario with a clean driving record, as well as a clean driving history. The policies account for $1 million in liability insurance, plus collision and comprehensive coverage with a $1,000 deductible.
| Hybrid vehicle | Insurance quote |
| Ford Escape Hybrid | $129/month |
|---|---|
| Honda Accord Hybrid | $182/month |
| Honda CR-V Hybrid | $192/month |
| Hyundai Elantra | $173/month |
| Kia Niro Hybrid | $144/month |
| Kia Sportage Hybrid | $131/month |
| Toyota Camry Hybrid | $192/month |
| Toyota Corolla Hybrid | $123/month |
| Toyota Highlander Hybrid | $290/month |
| Toyota Prius | $145/month |
| Toyota RAV4 Hybrid | $147/month |
Recent hybrid car insurance quotes from Ratehub.ca users
Again, insurance is specific to each driver and their vehicle, so you won't know the exact cost of your coverage until you shop the market. Below are a few sample quotes our users received when comparing quotes for their hybrid cars with us:
- $103/month
46-year-old male, living in Hamilton, Ontario
driving a 2020 Ford Escape Hybrid under CAA Insurance
- $189/month
48-year-old male, living in Toronto, Ontario
driving a 2019 Mitsubishi Outlander PHEV under Travelers Insurance
- $216/month
41-year-old female, living in Edmonton, Alberta
driving a 2025 Honda CR-V HEV under Economical Insurance
Are hybrid cars more expensive to insure?
While hybrid car insurance isn't always more expensive than coverage for its gas-powered counterpart, it can be. Several factors contribute to the potential difference, including the following:
Replacement parts
Hybird vehicles often come with advanced components or high-tech features which in turn, can hike up your insurance rate.
Repair training
Hybrid vehicle repairs may require a technician with specialized training, meaning the claims cost will be higher for your insurer.
Battery cost
The batteries for a hybrid vehicle tend to be costly to repair or replace, so insuring the vehicle as a whole may cost you more.
Other factors that impact your hybrid car insurance quote
As a general rule of thumb, the more risk you bring, the more expensive your premium will be. So here are a few other factors providers look at when quoting you for your hybrid vehicle insurance policy:
Vehicle make & model
Hybrids that are more expensive to repair or replace inevitably come with costlier insurance. Plus, expect to pay more if you drive one equipped with the latest tech.
Driver demographics
Younger drivers tend to face higher rates due to the lack of experience. And along with that, males tend to see higher rates also due to statistical risk factors.
Driving behaviour
The math is simple – the more you drive, the higher the likelihood you'll be making a claim. Therefore, driving less can actually save you a lot on insurance costs.
Location
Those living in major urban centres tend to face heightened premiums due to high-risk factors, such as stolen cars, insurance fraud, and traffic congestion.
Driver experience
The more driving experience you have, the cheaper your premium will be. Those with clean records and a full license will also see the lowest rates.
Coverage & discounts
It's no surprise that more coverage leads to higher rates. But asking your insurer for eligible discounts can help lower your insurance bill substantially.
Pro tip: Ask about green vehicle discounts
While going green comes with gas savings, you can also save on your insurance premium through green vehicle discounts. Many insurers offer savings to policyholders who drive electric and hybrid cars to promote eco-friendly practices – so be sure to do your research and ask around.
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