Save up to £504* on your insurance policy
Compare cheap car insurance
✔ Compare cheap car insurance quotes
✔ Over 110 insurance providers
✔ Get a quote in minutes
✔ Save up to £504*
Choosing between petrol and diesel cars is a significant decision when purchasing a vehicle. Understanding the advantages and disadvantages of each fuel type is essential to determine which one aligns best with your needs.
Which is Better: A Diesel or Petrol Car?
Deciding whether a diesel or petrol car is better for you involves considering several key factors. Your decision should be based on your specific needs, budget, and driving habits.
Evaluating Your Driving Habits and Needs
- Mileage and Journey Type: If you regularly drive long distances, particularly on motorways, a diesel car might be more efficient due to better fuel economy. Conversely, for city driving and shorter trips, a petrol car is often more suitable due to better performance in stop-start traffic.
- Environmental Impact: Consider the emissions associated with each type. Diesel engines typically emit less CO2 but more NOx, which has led to restrictions in some areas. Petrol engines have higher CO2 emissions but are generally cleaner in terms of NOx and particulate matter.
Budget Considerations
- Initial Purchase and Maintenance Costs: Diesel cars tend to be more expensive upfront and can have higher maintenance costs. However, they can be more economical in the long run due to better fuel efficiency. Petrol cars usually have a lower initial purchase price and maintenance costs.
- Fuel Costs: Assess your annual mileage and calculate the potential fuel costs for both diesel and petrol options. Diesel typically offers better mileage, which can be cost-effective for high-mileage drivers.
Location and Regulations
- Urban Driving Restrictions: If you drive primarily in urban areas, especially those with low emission zones, a petrol car might be a better choice due to stricter regulations on diesel vehicles in cities.
Making an Informed Decision
- Future Considerations: Keep in mind the potential future resale value and the possibility of changing regulations regarding diesel vehicles.
- Personal Preferences: Your preference for the driving experience – such as engine noise, acceleration, and handling – should also be considered.
How much can you save on your car insurance?
Pros of Diesel Cars
Fuel Efficiency
Diesel engines are typically more fuel efficient than petrol engines, offering more miles to the gallon. This efficiency can lead to lower running costs over time.
Lower CO2 Emissions
Despite their drawbacks, diesel cars emit less CO2 compared to petrol cars for the same distance travelled. However, they do produce significantly more nitrous oxide (NO2) and small particulates, which are harmful to lungs.
Cost-Effectiveness for High Mileage
For those who frequently travel long distances, especially on motorways, diesel cars can be more cost-effective due to their superior fuel consumption.
However, with the average mileage in England dropping below 5,000 miles a year in 2022, this benefit might not justify the additional expense for many drivers.
Towing Capability
Diesel vehicles generally produce more torque, enhancing their towing capability. However, this ability also depends on the specific make and model of the car.
How much can you save on your car insurance?
Cons of Diesel Cars
Initial Cost
Diesel cars tend to be more expensive to purchase than petrol cars. The price varies based on the vehicle’s age, make, and model. Additionally, diesel fuel typically costs more.
Air Pollution
Originally praised for reducing carbon emissions, diesel cars have since been identified as significant producers of particulates – small soot particles harmful to the lungs, potentially causing asthma attacks and other respiratory issues.
In the UK, air pollution contributes to an estimated 28,000 to 36,000 deaths annually, with diesel vehicles being a notable contributor.
Restrictions and Surcharges
In efforts to tackle air pollution, cities like London and Birmingham have implemented bans or surcharges on older diesel cars.
For instance, driving a diesel car registered before September 2015 in London’s Ultra Low Emission Zone (ULEZ) incurs a £12.50 charge. Additionally, many local councils charge higher parking fees for diesel cars.
Maintenance Costs
The cost of maintaining and repairing a diesel car depends on its age, make, and model. However, generally, diesel cars are more expensive to maintain compared to petrol cars.
How much can you save on your car insurance?
Pros of Petrol Cars
Lower Initial Cost
Petrol cars are often less expensive to purchase than diesel counterparts. However, the cost is influenced by factors such as the vehicle’s age, make, and model.
Suitability for Short Trips
Petrol cars are generally more suitable for short commutes or city trips. Unlike diesel vehicles, which are more economical for longer journeys, petrol cars are efficient and practical for brief, everyday travel.
Noise and Comfort
Petrol vehicles are known for being quieter and providing a smoother ride with fewer vibrations compared to diesel cars. However, the level of noise and comfort can vary significantly depending on the make and model of the car.
Less Local Air Pollution
One significant advantage of petrol cars is their lower emission of NO2, making them less polluting at a local level. However, it’s important to note that they still contribute to CO2 emissions, impacting climate change.
More Choices and Flexibility
Petrol cars offer a wider range of models and options, catering to various needs and preferences. This flexibility allows consumers to choose from a diverse selection of sizes, designs, and performance features.
Lower Maintenance Costs
Generally, petrol cars are less expensive to maintain than diesel cars. They have less complex engines and fewer components that can be costly to repair or replace.
Better for Rapid Acceleration
Petrol engines typically provide better throttle response and quicker acceleration compared to diesel engines. This makes petrol cars more responsive and enjoyable to drive, especially in situations requiring rapid speed changes.
How much can you save on your car insurance?
Cons of Petrol Cars
Lower Fuel Efficiency
When it comes to fuel efficiency, diesel cars generally outperform petrol ones. If your priority is achieving more miles per gallon, diesel might be the preferable choice.
Higher CO2 Emissions
Petrol cars produce higher CO2 emissions. On average, a petrol car in the UK emits about 180g of CO2 per kilometre, compared to 173g for diesel cars. This higher carbon footprint is a significant environmental concern.
Reduced Towing Capability
Petrol vehicles typically have less towing power compared to diesel cars. While this varies with the make and model, diesel engines are generally better suited for hauling heavy loads.
For instance, some models like the Range Rover can tow up to 3,500kg, but this is more of an exception than the norm in petrol cars.
Less Efficient in Cold Weather
Petrol engines may not perform as efficiently in cold conditions compared to diesel engines. Starting a petrol car in cold weather can be more challenging, and it may take longer for the engine to reach an optimal operating temperature.
Shorter Longevity
Petrol engines, on average, have a shorter lifespan than diesel engines. Diesel engines are built to withstand higher levels of stress and can often cover a greater number of miles before requiring major repairs or replacements.
Rapid Depreciation
Petrol cars tend to depreciate faster than diesel cars. This means that their resale value drops more quickly, which can be a significant factor for those who plan to sell or trade in their vehicle in the future.
Higher Running Costs Over Time
While the initial purchase price of petrol cars may be lower, their running costs over time, especially for high-mileage drivers, can be higher due to less fuel efficiency and potentially higher maintenance expenses.
How much can you save on your car insurance?
Taxes: Petrol vs Diesel Calculations
Initial Road Tax
The amount of road tax you pay is contingent on whether your car adheres to the Government’s Real Driving Emissions 2 (RDE2) standards, which determine the maximum allowable level of NO2 (nitrogen oxide) emissions.
When you first register your vehicle, the upfront tax rate is calculated based on your car’s CO2 emissions for the first 12 months. Cars that fail to meet the RDE2 standard attract a higher tax rate.
It’s advisable to check with your car manufacturer for your vehicle’s specific emission levels.
Ongoing Road Tax
After the initial year, the road tax rate may vary depending on the vehicle’s fuel type, emissions, and when it was first registered. Typically, diesel cars that don’t meet the RDE2 standards are subject to a higher tax band than petrol cars with similar emissions.
Electric Cars and Future Tax Changes
Currently, electric cars are exempt from road tax, but this is set to change in 2025. From then, electric vehicle owners will also be required to pay road tax, though the rates and structure of this tax have not been detailed yet.
Additional Charges for Expensive Vehicles
There’s an additional tax for cars with a list price over a certain threshold (around £40,000 in the UK), applicable to both petrol and diesel vehicles. This surcharge is typically levied for the first five years of the vehicle’s registration.
Impact of Vehicle Age
The age of the vehicle also plays a role in tax calculations. Older vehicles, particularly those registered before 1 April 2017, are taxed based on their CO2 emissions, but newer vehicles are taxed at a standard rate after the first year, with a supplement for diesel cars not meeting the latest emissions standards.
Comparative Costs Between Petrol and Diesel
Generally, diesel cars have been more expensive to tax due to their higher NO2 emissions. However, newer diesel vehicles that comply with RDE2 standards may have a tax advantage over older or less efficient petrol cars.
Importance of Emission Levels
The focus on CO2 and NO2 emissions underscores the government’s commitment to reducing environmental impact. The tax system incentivises purchasing lower-emission vehicles, regardless of whether they are petrol or diesel.
Potential Future Revisions
The tax system for vehicles is subject to change as environmental policies evolve. It’s crucial for car buyers to stay informed about potential future revisions that could affect the long-term costs of owning petrol, diesel, or electric cars.
How much can you save on your car insurance?
Should I Buy a Diesel or Petrol Car?
Assessing Your Personal Needs
The decision between purchasing a diesel or petrol car largely hinges on your individual requirements and lifestyle. Factors like the type of journeys you frequently make, your annual mileage, and budget considerations play a crucial role in this choice.
Considering Short-Term and Long-Term Use
Short-Term Considerations
In the short term, a diesel car may be more suitable if you cover a lot of miles, especially on motorways, due to better fuel efficiency.
On the other hand, if your driving is mainly urban or consists of shorter trips, a petrol car might be more appropriate, offering lower initial costs and better performance for such journeys.
Long-Term Outlook
Looking ahead, the UK Government’s environmental policies are critical to consider. With the phasing out of new diesel cars starting in 2030 and all new cars required to be zero-emission by 2035, the future of vehicle ownership is leaning towards alternative fuels and electric vehicles.
This shift might impact the resale value and viability of diesel and petrol cars in the long term.
The Role of Environmental Impact
Environmental considerations are increasingly important. Diesel and petrol cars contribute to air pollution and climate change, which might influence your decision, especially if you’re environmentally conscious.
Future Fuel Developments
The automotive industry is rapidly evolving, with advancements in electric and hybrid technology. These alternatives are becoming more accessible and might offer a more sustainable long-term solution.
Financial Implications
Consider the total cost of ownership, which includes purchase price, fuel costs, taxes, insurance, and maintenance.
Diesel cars typically have higher upfront and maintenance costs but may offer savings in fuel efficiency for high-mileage drivers. Conversely, petrol cars generally have lower initial costs but higher fuel consumption.
Conclusion
Ultimately, whether to choose a diesel or petrol car is a decision that requires balancing your current needs with future considerations, including environmental policies, technological advancements, and the total cost of ownership.
How much can you save on your car insurance?
Will Having a Diesel or Petrol Car Affect My Car Insurance?
The impact of your vehicle’s fuel type on your car insurance premium is not straightforward. Insurance costs are influenced by a myriad of factors, not solely the type of car you drive.
Key Factors Considered by Insurers
Personal Factors
Insurers take into account several personal aspects, including:
- Age: Younger drivers typically face higher premiums due to their inexperience.
- Address: Your location can affect the risk of theft or accidents, influencing insurance costs.
- Driving Experience: More experienced drivers usually enjoy lower premiums.
- Mileage: Higher annual mileage can lead to increased premiums as it implies more time on the road and a greater risk of accidents.
- Driving Convictions: Any history of driving offences can significantly raise insurance costs.
- No-Claims Discount: A record of safe driving without claims can substantially reduce your premium.
Vehicle-Related Factors
When assessing your car, insurers also consider:
- Car’s Value: More expensive cars generally have higher insurance costs.
- Home Security: The security of where the car is parked (e.g., a private garage vs street parking) can affect the risk profile.
- Car Modifications: Modifications can increase insurance costs as they might affect the car’s performance or increase its appeal to thieves.
Impact of Diesel vs Petrol on Insurance
- Repair and Part Costs: Diesel cars often have more complex systems like advanced filters and emission control technologies. These can be more expensive to repair or replace, potentially leading to higher premiums compared to petrol cars.
- Risk Profile: Diesel cars might be seen as having a different risk profile compared to petrol cars, based on factors like their typical usage patterns and longevity.
Future Considerations
The evolving landscape of vehicle technology and environmental policies may influence how insurers view diesel and petrol cars.
With the increasing focus on eco-friendliness and the rise of electric vehicles, the insurance industry’s approach to different fuel types might change over time.
Key Takeaway
While the fuel type of your car is a factor, it’s just one of many that insurers consider when determining your premium. It’s essential to understand that both diesel and petrol cars have unique attributes that could influence insurance costs.
Diesel cars might be costlier to insure due to higher repair costs and more expensive parts, but this is balanced against other factors like the car’s value, your personal driving history, and security measures.
It’s advisable to compare car insurance quotes for specific models you’re considering to understand how the fuel type might impact your premium.
Additionally, staying informed about industry trends and future changes in vehicle technology and environmental regulations can help you make a more informed decision when choosing between diesel and petrol cars.
How much can you save on your car insurance?
What About Hybrids and Electric Cars?
Electric Cars: Cost and Benefits
Initial Cost vs Running Expenses
While electric cars generally have a higher initial purchase or lease price compared to diesel or petrol vehicles, they offer significant savings in running costs.
This is due to lower fuel (electricity) costs and reduced maintenance requirements, as electric cars have fewer moving parts than internal combustion engines.
Environmental Impact and Tax Incentives
Electric cars are zero-emission vehicles, making them environmentally friendly. This status brings numerous financial incentives, such as substantial discounts on road tax, congestion charges, and in some cases, parking fees.
The environmental benefits and the push towards a greener future make electric cars an increasingly popular choice.
Hybrid Cars: A Middle Ground
Functionality and Use
Hybrids, or plug-in electric hybrid vehicles (PHEVs), combine a petrol engine with an electric motor, allowing you to drive on electricity alone for limited distances.
After the electric range is depleted, the vehicle automatically switches to petrol. This dual functionality makes them particularly advantageous for short commutes and city driving, where you can maximise the use of electric power.
Cost-Efficiency and Emissions
Hybrids tend to be more cost-efficient than traditional petrol or diesel cars, especially in urban settings where the electric motor is predominantly used.
They also emit fewer pollutants than conventional vehicles when running on electricity, contributing to lower overall emissions.
Additional Considerations
Charging Infrastructure
For electric cars, access to charging infrastructure is a crucial consideration. The growing network of public charging stations is making it easier to own an electric vehicle, but having home charging capability is still a significant advantage.
Government Incentives
Various government schemes and incentives are available to encourage the adoption of electric and hybrid vehicles. These can include grants for purchasing such vehicles and installing home charging points.
Future Resale Value
Electric and hybrid cars are likely to have a better resale value in the future, as demand for eco-friendly vehicles increases and regulations on petrol and diesel vehicles become more stringent.
Key Takeaway
Both electric and hybrid cars present a viable alternative to traditional fuel vehicles, offering a blend of environmental benefits, cost savings, and evolving technology.
With the automotive industry’s shift towards sustainability, these vehicles are becoming an increasingly attractive option for environmentally conscious and cost-aware consumers.
How much can you save on your car insurance?
Frequently asked questions
For drivers who drive mostly short journeys around towns, a petrol car is recommended over a diesel car. However, if you do a lot of longer journeys or motorway miles, a diesel car may be a better option for you.
In general, diesel cars are more expensive to buy and diesel fuel is slightly more expensive than petrol. However, if you drive on the motorway frequently and cover a lot of miles in a year, a diesel car may have better fuel consumption and be more economical in the long run.
Diesel cars are often more fuel efficient than petrol cars, making them a more economical choice for some drivers.
Diesel fuel contains approximately 10-15% more energy than regular petrol, and historically diesel cars have been cheaper to run.
However, recent changes in regulations and increased awareness of environmental concerns may make it less attractive to some buyers.
It’s important to consider your individual needs and priorities before deciding if a diesel car is worth it for you.
Although the UK government has announced a ban on petrol cars by 2030, buying a petrol car is still a reasonable option for many people. Factors such as budget, location, and infrastructure need to be considered. In general, petrol cars cost less to purchase than diesel cars.
Diesel cars have some disadvantages, including the fact that diesel fuel is usually more expensive than petrol. While servicing may not be required as frequently as with petrol cars, it can be more expensive when needed. Diesel engines produce more nitrogen dioxide (NO2), which is harmful to the environment and can contribute to air pollution. Additionally, diesel engines can be louder than petrol engines.
The disadvantages of a petrol car include less efficiency compared to diesel engines, resulting in the need for more frequent refuelling which can make petrol vehicles more expensive to run in the long term. Petrol cars also tend to be heavier than diesel cars, leading to higher fuel consumption per mile.
The answer is quite complex. Diesel vehicles are known to be more detrimental to human health, mainly because they emit small particulates that can harm the lungs.
However, they have a slight advantage in terms of environmental impact, as they produce lower levels of CO2 emissions compared to petrol cars. This aspect could be seen as making them somewhat less harmful to the environment.
The decision largely depends on two factors: the age of the car and your driving location. If you’re considering a diesel car made before 2015, be aware that it could incur higher costs in terms of road tax and low-emission zone charges.
However, precisely because of these potential extra expenses, you might be able to find a diesel car at a significantly reduced price.
Car insurance blog
Is My No-Claims Bonus Still Valid After a Break Between Policies?
Related: Can You Tax a Car Without Insurance?
Dec
Compare Cheap Impounded Car Insurance Quotes
Related: Compare Cheap Temporary Car Insurance Quotes
Dec
Dash Cams: Do they Reduce Car Insurance Premiums?
Related: Compare Cheap Temporary Car Insurance Quotes
Dec
