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EV Insurance Costs Fell Across the UK in 2025

Posted in News on Tuesday, February 17th, 2026

Electric vehicle insurance premiums fell across the UK in 2025, according to new research from MoneySuperMarket, with some areas seeing reductions well above the national average.

Average annual EV insurance premiums have dropped by 12 percent nationwide over the past year. Southwest London recorded the largest decrease, with premiums falling by 19.2 percent, around seven percentage points more than the UK average.

Warrington saw a 19 percent reduction, while Paisley followed with a 17.9 percent fall. Other areas including Stockport, Enfield, St Albans and Taunton also reported notable decreases.

The findings reflect growing insurer confidence as EV ownership rises and charging networks and specialist repair facilities become more widespread. With better data on claims and repair costs, pricing is becoming more accurate.

Although it did not rank among the biggest reductions, Perth had the lowest overall EV insurance premium in 2025, at an average annual cost of £483.53.

For driver trainers and fleet operators, lower EV insurance costs may help make electric vehicles a more accessible option for learners and newly qualified drivers.

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