8 Best Car Insurance Options for Electric Vehicles (EVs) in 2025
Compare top EV insurance providers offering green discounts and specialized coverage. Save 5-20% with eco-friendly insurers while protecting your electric investment.
Electric cars are entering the mainstream – with over 1.6 million EVs sold in the U.S. in 2024 (more than 10% of new car sales) – and owners need insurance policies that fit their needs. However, insuring an EV can cost up to 45% more than a comparable gas car due to expensive battery parts and specialized repair costs.
In this guide, we compare the best car insurance options for EV owners that offer competitive rates, green discounts, and coverage for home chargers and batteries. Our goal is to help eco-conscious drivers find affordable protection for their EV investment while supporting insurers that align with sustainability values.
Find Your Perfect EV Insurance
Top EV Insurance Providers
Root Insurance
Root Insurance uses app-based driving behavior data to offer fair pricing and EV-specific discounts for electric vehicle owners.
Pros
- ✓App-based insurer using driving behavior data to price policies
- ✓Offers EV-specific discounts up to 10%
- ✓Usage-based rates reward efficient driving
- ✓No credit score requirement for quotes
Cons
- •Not available in all states
- •Requires smartphone app usage
- •Customer service mainly app-based
Progressive
Progressive offers comprehensive EV insurance with environmental commitments and nationwide coverage.
Pros
- ✓Major US auto insurer with competitive EV coverage
- ✓Responsible Driver discount for safe driving
- ✓Pledged to reach net-zero emissions in operations
- ✓Extensive agent network and 24/7 support
Cons
- •May be more expensive than newer insurers
- •EV discounts not as high as specialized providers
- •Traditional underwriting process
GEICO
GEICO provides affordable EV insurance with automatic discounts for electric and hybrid vehicle owners.
Pros
- ✓Known for low rates across the board
- ✓Offers 5-10% discount for electric/hybrid vehicles
- ✓Easy online quote process
- ✓Strong mobile app for claims
Cons
- •Limited local agent availability
- •May require additional coverage for home chargers
- •Customer service can be hit or miss
Insurify
Insurify is an online marketplace that helps EV owners compare insurance rates from multiple green-friendly providers.
Pros
- ✓Compare multiple EV insurance quotes at once
- ✓AI-powered matching for best rates
- ✓Filters for eco-friendly insurers
- ✓No obligation to purchase
Cons
- •Not an insurer itself
- •Quality varies by matched providers
- •May receive follow-up calls/emails
Lemonade Car
Lemonade Car offers tech-forward insurance with environmental initiatives like tree planting and sustainable investments.
Pros
- ✓Plants trees for low-mileage drivers
- ✓Invests premiums in sustainable initiatives
- ✓Instant quotes and claims via app
- ✓Giveback program donates unclaimed money to charity
Cons
- •Limited state availability
- •Newer to auto insurance market
- •No agent support
Tesla Insurance
Tesla Insurance provides coverage specifically designed for Tesla vehicles with real-time pricing based on driving behavior.
Pros
- ✓Specifically designed for Tesla vehicles
- ✓Uses real-time driving data from Tesla cars
- ✓Guarantees OEM parts for repairs
- ✓Monthly payment adjusts based on safety score
Cons
- •Only available for Tesla vehicles
- •Limited state availability
- •Pricing depends heavily on driving behavior
State Farm
State Farm offers reliable EV insurance with the backing of the largest auto insurer and extensive agent network.
Pros
- ✓Largest auto insurer in the US
- ✓Local agents with EV expertise
- ✓Strong bundling discounts
- ✓Excellent claims process
Cons
- •Generally higher premiums
- •Lower EV-specific discounts
- •Traditional underwriting
Allstate
Allstate provides comprehensive EV coverage with rewards for safe driving and environmental consciousness.
Pros
- ✓Drivewise program rewards safe driving
- ✓Green vehicle discounts available
- ✓Excellent claims satisfaction
- ✓Comprehensive EV resources
Cons
- •Higher average premiums
- •Drivewise requires device/app
- •Some coverage gaps for EVs
Quick Comparison
| Company | Avg Monthly | EV Discount | Availability | Best For |
|---|---|---|---|---|
| Root Insurance | $125 | 10% | 30 states | Best Tech-Forward Option |
| Progressive | $145 | 8% | Nationwide | Best Major Insurer |
| GEICO | $135 | 10% | Nationwide | Best Rates |
| Insurify | Varies | Varies | Nationwide | Best Comparison Tool |
| Lemonade Car | $140 | 7% | 5 states | Most Eco-Friendly |
| Tesla Insurance | $130 | 20% | 13 states | Best for Tesla Owners |
| State Farm | $150 | 5% | Nationwide | Best Agent Support |
| Allstate | $155 | 7% | Nationwide | Best Rewards Program |
Frequently Asked Questions
Do EVs cost more to insure than gas cars?
What special coverage do I need for an electric vehicle?
Which insurance companies offer the best EV discounts?
Does my home charging station need separate insurance?
How can I reduce my EV insurance costs?
Ready to Save on EV Insurance?
Compare quotes from multiple providers to find the best rates and coverage for your electric vehicle. Most drivers save $300+ per year by shopping around.
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