Electric car insurance

Insurance is the only item where an electric car often costs more than a petrol car at the same price.

Translated from Serbian. Where the exact wording matters, the Serbian original applies.

  • Third-party liability goes by power: over 110 kW, 15.716 RSD a year
  • Many electric cars are in the top band
  • Comprehensive (kasko) cover is calculated at higher rates, and nobody publishes the surcharge percentage
  • Roadside assistance: AMSS 1987, for BYD 069/667-667

Third-party liability

You can find the power in the registration certificate or the COC document. The amounts include tax, before bonus-malus:

Motor power Annual premium (RSD)
up to 22 kW 5.438
22,1–33 kW 6.497
33,1–44 kW 7.563
44,1–55 kW 8.630
55,1–66 kW 9.688
66,1–84 kW 11.110
84,1–110 kW 13.235
over 110 kW 15.716
Details: the price list and the new tariff

The amounts are from one agent's public price list dated 25.04.2024. The last known general increase in AO premiums took effect on 01.01.2023 and was 12–15 %.

In 2025, AMS osiguranje announced a proposed tariff based on the vehicle's technical characteristics, drive type and other risk factors. For now, electric cars are priced like all other cars. Other costs: registration and taxes.

Comprehensive (kasko)

Insurers say they cannot use the same rates for electric vehicles as for conventional ones: repairs take longer, claims are more expensive, and there is little local data. You get the price only through a quote.

Details: what insurers publish

Insurers rely on European data. On their websites:

  • Dunav mentions “solutions tailored to owners of electric vehicles” but does not publish terms or prices.
  • Triglav has a blog post on insuring an electric vehicle.
  • DDOR, Generali, Wiener Städtische, Sava, Globos, Milenijum and AMS make no mention of special terms for electric vehicles. That does not mean they refuse to insure them.
  • With some loans, comprehensive cover is not mandatory — see loans and leasing.

What to check in the policy

Ask whether the policy covers:

  • the battery in a road accident;
  • the charging cable and the home charger, against damage and theft;
  • transport to a workshop that can repair an electric car;
  • a replacement vehicle.

For a make with no authorised workshop in Serbia (for example Tesla), ask for written confirmation of comprehensive cover before you buy. There have been cases of refusal.

Details: roadside assistance

AMSS from abroad: +381 11 3331 200. AMSS lists no services specifically for electric vehicles (mobile charging, flatbed towing). BYD assistance is available 0–24.

Sources (14)

Updated 22.09.2026 · next check 15.01.2027 · Report an error

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