The data: -22% claims on average
A consolidated study of 240,000 auto contracts between 2022-2025 shows EV drivers cause 22% fewer at-fault claims than the combustion average. Three converging factors: demographics (typically older, more experienced buyers), heavy ADAS adoption (adaptive cruise, AEB, blind-spot), and naturally calmer driving from regen braking. Actuaries are recalibrating rate cards down for EVs.
The concrete 2026 gap
For a standard profile (35, 5-year license, Geneva canton, new CHF 50,000 vehicle), early 2026 comparisons show: liability + comprehensive on combustion CHF 1,250/year, on equivalent EV CHF 1,080/year. A 14% saving. Newer, better-equipped vehicles widen the gap. Caveat: some older Teslas or Polestars with very high battery-floor repair costs stay expensive in collision.
Check your contract
If you already drive an EV on a pre-2024 contract, your premium likely uses a recycled combustion grid. Ask your insurer for the "dedicated EV" rate card: most published one in late 2025. If refused or ignored, it's the perfect moment to cancel (3-month notice before renewal) and switch to a competitor that prices your segment correctly. Polia auto-compares the 3 categories: combustion / hybrid / EV.
