Driving electric can cost less than the fuel you pay for today
In 2 minutes you’ll see if switching to electric pays off — based on your real situation, not averages. Free, no‑obligation analysis.Money spent on fuel in Portugal since you opened this page€0CrediSegur estimate based on 2024 road fuel consumption (DGEG) and the annual average price (DGEG).
- Free analysis in 2 minutes
- With your real numbers
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- Financing options (tied Credit Intermediary, subject to approval)
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Financing with guidanceWe work so that your new monthly payment plus charging doesn’t go above what you pay today for fuel.
Fuel vs. electricWe calculate using your real numbers — mileage, fuel, insurance and taxes — not averages.
360° financial analysisWe look at your Mortgage, insurance and energy together to maximize your total monthly savings.
Free simulator
Find out in 2 minutes how much you could save
Enter your current vehicles, your monthly mileage and your fuel. We calculate the real difference.Illustrative exampleElectric Mobility
How much can a family save by switching from diesel to electric?
João drives 1,250 km per month in a diesel car. Switching to a used electric car in the same category changes the monthly bill.João and Marta are a fictional family; the figures are illustrative.Estimated monthly savings€183.88on energy and running costs, every month
Value difference between vehicles€3,374
Payback on the difference1.5 years
Savings over 20 years€52,426
Tailpipe CO₂ avoided over 20 years47.7 t
Used vs. used. Compares the market reference price of a used diesel car with that of a used electric vehicle of the same segment and age — not a new electric vehicle. 1,250 km/month, diesel at €2.15/l and 6.0 l/100 km, electric at €0.100/kWh and 16 kWh/100 km, home charging on a bi-hourly tariff.
Diesel (current)
Electric (estimated)
Monthly cost
€245.88
€62.00
Energy
€160.88fuel
€20.00charging at home
Insurance, IUC (Single Road Tax) and maintenance
€85.00
€42.00road tax exempt
Market value, used
€14,497
€17,871
Estimated monthly savings€183.88on energy and running costs, every month
Value difference between vehicles€3,374
Payback on the difference1.5 years
Savings over 20 years€52,426
Tailpipe CO₂ avoided over 20 years47.7 t
Illustrative exampleFull Electrification
Want to save even more? Combine it with solar + battery
When you switch to electric mobility, your home electricity consumption also increases — this example shows the total savings (home + car).João and Marta are a fictional family; the figures are illustrative.Combined monthly savings€258.95home + car
Combined investment (solar + EV price difference)€9,474
Combined payback3.0 years
Accumulated savings over 20 years€74,315
CO₂ avoided over 20 years71.0 t
Charging is already included. EV charging (200 kWh/month) happens mainly at night, on an off-peak bi-hourly tariff, and is included in the mobility savings. The solar system is the same as in the solar + battery example, without resizing. The family’s total electricity consumption goes from 580 to 780 kWh/month.
Home — solar + battery
Mobility — Diesel → Electric
Monthly savings
€75.07
€183.88
Investment
€6,100
€3,374difference between vehicles
Individual payback
6.8 years
1.5 years
Monthly electricity consumption
580 kWhhome
200 kWhEV charging
Combined monthly savings€258.95home + car
Combined investment (solar + EV price difference)€9,474
Combined payback3.0 years
Accumulated savings over 20 years€74,315
CO₂ avoided over 20 years71.0 t
Why go electric
The benefits in numbers
Far beyond the environment — savings you can calculate for your own case.TaxExemptIUC exemption100% electric vehicles are exempt from IUC (IUC Code, art. 5; regime in force in 2026).
MaintenanceSimplerLess maintenanceNo oil, filters, belt, clutch or exhaust. Just tires, brakes and simple check‑ups.
Energy1,60 €/100 kmMore efficient per mileWith 16 kWh/100 km at 0,10 €/kWh, 100 km cost about 1,60 € at home; with 6 l/100 km at 2,18 €/l, they cost about 13 € in diesel (DGEG average price on October 3, 2026).
Everyday lifeIn some municipalitiesFree or discounted parkingSome Portuguese municipalities offer free or discounted parking for electric vehicles — check what applies in yours.
87%customers who save from the very first month
5,2×cheaper to charge than to refuel
+200 €average monthly saving
72 hturnaround time for your analysis
The CrediSegur approach
You save more when you put all the pieces together
The biggest savings appear when we look at all your costs together.Mortgage−80 to −150 €Transfer or renegotiation for better terms.
Insurance−30 to −80 €Life, home and auto optimized for your new profile.
Solar energy−60 to −120 €Your own production for the home and to charge the vehicle.
Electric mobility−100 to −300 €Fuel becomes charging; IUC disappears and maintenance gets cheaper.
Estimated total monthly savings, with 360° analysisGeneric illustrative example. The analysis is free and personalized.
270 to 650 €/month32,400 to 78,000 € in 10 years
Fictitious example
How the Moreira family from Coimbra could save €477 every month
360° analysis of the family’s situation: home, energy and electric mobility, all at the same time.Previous situation
Electricity180 €
Gas87 €
Fuel, two vehicles400 €
Total per month667 €
With CrediSegur
Electricity, with solar60 €
Gas, adjusted30 €
Charging the electric vehicle100 €
Total per month190 €
Monthly savingsEnergy and fuel; does not include the investment or the financing monthly payment
477 €/month57,240 € in 10 years
The lesson for this family: the biggest savings come when we look at all expenses together.
*Illustrative, non-binding example, with a fictional family and values that are merely indicative and subject to technical confirmation. It does not include any credit or financing conditions: the savings shown are energy and operating savings, calculated with the assumptions indicated, and vary according to each client’s consumption, region, roof and vehicle. Indicative simulation, without commitment.What we did
MortgageReview of the conditions of the Mortgage the family already had.
Solar energyPhotovoltaic panels. The energy produced covers the home and charges the vehicle overnight.
Electric mobilityFuel costs of 400 € dropped to 100 € in charging. IUC eliminated and maintenance reduced.
InsuranceRenegotiation of life, home and auto insurance. Savings of 57 €/month.
Who has already made the switch
What our clients say
With CrediSegur by their side.I used to drive 80 km a day to work and spent almost 190 € a month on diesel. Since I switched to electric, I pay around 26 € for night-time charging. I never imagined the difference would be so big. CrediSegur handled everything — the financing, the analysis, and even helped me figure out which car was right for my profile.
Tiago F.Engineer · Aveiro to Porto · 80 km/day
−164 €/monthWe had two diesel cars and a mortgage payment. CrediSegur suggested integrating the electric vehicle financing into our Mortgage, and the sale of the old car covered the down payment. Now one of the cars costs us almost nothing to run.
Sara and Miguel M.Family · Braga · two vehicles
−210 €/monthI’m a self-employed architect and used to drive 2,000 km a month between sites. I was spending 320 € just on fuel. CrediSegur did a full review for me: renegotiated my Mortgage, optimized my insurance and structured the vehicle financing. The result was savings of 320 € a month.
Ricardo C.Architect · Lisbon · 2,000 km/month
−320 €/month
Frequently asked questions
The questions everyone asks before deciding
It may be possible. As a tied Credit Intermediary, we’ll check with you whether the institution that holds your Mortgage accepts integrating the vehicle financing, or we’ll show you auto credit options from the institutions we work with. All subject to approval.
CrediSegur’s goal is for the new Monthly payment plus charging not to exceed what you currently pay for fuel, maintenance and IUC. In many cases the net impact is neutral or negative — you pay less than before.
The simulator lets you enter vehicles that are already electric: choose “Electric” in the fuel type. This way you can see the impact of converting the remaining combustion vehicles and understand the additional savings.
A lot. If you charge the vehicle with your own solar energy, the charging cost can be practically zero. In the personalized analysis, the CrediSegur manager calculates using your actual solar production data.
The initial analysis in the simulator is instant and free. After your request, we contact you within 72 hours for a personalized analysis. The entire process is free and with no obligation.
Current electric vehicles have a real-world range between 300 and 600 km — enough for most daily journeys. For long trips, the network of fast chargers in Portugal and across Europe allows 30 to 45 minute charges every 200 to 300 km. For everyday use, range is rarely a problem: 95% of trips in Portugal are under 50 km per day.
It depends on the method. On a normal household socket of 2.3 kW, a full charge takes 20 to 30 hours — suitable only as a backup and only if the electrical installation meets technical and safety standards. With a dedicated 7.4 kW home charger it takes 6 to 10 hours, ideal for overnight charging. On a public fast charger of 50 to 150 kW, it charges from 20% to 80% in 20 to 40 minutes. In practice, charging at home is like charging your phone: you plug in when you arrive and wake up with a full battery.
Yes, with a few alternatives. In a condo, any unit owner can install, at their own expense, a charging point in their parking space. If the installation runs through common areas, you must notify the management in writing 30 days in advance, and the condo can only object in the cases set out in article 23 of Decree-Law no. 93/2025. If you don’t have a garage, you can use the public network or charge at work.
Historically they did depreciate more. From 2035 onwards, European rules require that new cars sold in the EU have zero CO₂ emissions at the tailpipe (rule under review); used cars are not affected. The total cost of each vehicle depends on the price, the mileage and the energy — the simulator calculates it for your case.
The batteries in today’s electric vehicles usually have an 8‑year or 160,000 km warranty from most manufacturers, with a commitment to keep at least 70% of their capacity. In practice, fleet studies show degradation of only 2 to 3% per year in the first years. A battery with 80% capacity after 8 years can still offer 250 to 400 km of range.
Portugal has more than 16,000 public charging points (MOBI.E, October 2026), and at any public station you can charge and pay without a contract. For everyday use, most drivers charge mainly at home.
Yes, it’s completely safe. Certified home chargers have protection against overload, short circuits and voltage fluctuations. They are watertight, with an IP44 rating or higher, and tested for outdoor use in the rain. Vehicles have battery management systems that stop charging when the battery is full. Charging overnight is actually the cheapest option: on a time‑of‑use tariff, the night kWh costs about half the daytime price.
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Your next vehicle could pay for itself. Find out if that’s your case
The analysis is free. The conditions are personalized. There’s zero commitment.100% free analysisNo commitmentResponse within 72 hoursFinancing options (tied credit intermediary, subject to approval)