Many car insurance companies will provide a 10% discount for hybrid owners right off the bat. Why? First of all, hybrid owners on average tend to be responsible, mature drivers who will be less likely to get into car accidents -- and therefore will be less likely to file claims. These kind of drivers wind up in the "preferred insurance category," which means that they can get lower rates. In fact, surveys suggest that hybrid car owners are typically married men and women between the ages of 41 and 60 who are financially stable and responsible.
Some car industry analysts predict that hybrids will comprise nearly 15% of all US vehicles on the roads by the end of the decade. As the popularity of these vehicles soar, the implications for hybrid car insurance will almost certainly dynamically shift.