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.
Root Insurance uses app-based driving behavior data to offer fair pricing and EV-specific discounts for electric vehicle owners.
Progressive offers comprehensive EV insurance with environmental commitments and nationwide coverage.
GEICO provides affordable EV insurance with automatic discounts for electric and hybrid vehicle owners.
Insurify is an online marketplace that helps EV owners compare insurance rates from multiple green-friendly providers.
Lemonade Car offers tech-forward insurance with environmental initiatives like tree planting and sustainable investments.
Tesla Insurance provides coverage specifically designed for Tesla vehicles with real-time pricing based on driving behavior.
State Farm offers reliable EV insurance with the backing of the largest auto insurer and extensive agent network.
Allstate provides comprehensive EV coverage with rewards for safe driving and environmental consciousness.
| 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 |
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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