Car Insurance for Electric Cars
Electric car insurance often comes with a 10% discount for driving green. Hybrid cars may also save you up yo $76/mo in gas costs.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
If you are following a green living lifestyle, you probably have a hybrid or electric car that requires car insurance. Some drivers are under the impression that insurance is not required for electric cars.
If you register your car in a state that requires insurance for vehicles, electric cars must be insured as they are considered vehicles.
You can get electric car insurance quotes today with only your zip code!
Electric cars are increasingly becoming more visible on the road. Although gas is still the major source of fuel, people are open to a new and eco-friendly modes of transportation. (For more information, read our “Compare Eco-Friendly Vehicle Insurance Rates“).
To service electric car owners as well as gas-fueled car owners, there are options that include the Electric Car Insurance Company.
- Electric cars support a green living lifestyle
- Electric cars are eligible for insurance discounts
- Technology continues to advance, making electric and hybrid cars faster and easier to charge
Shopping for Electric Car Insurance
Finding electric car insurance is not so obvious. Many companies advertise auto insurance without specification.
If you are in the market for insurance for your electric car, it would be wise to do some homework before assuming the majors are able to accommodate you. Customization is recommended in this case.
Making sure the insurance company is solvent is the best way to protect yourself from surprises later. The rating in the marketplace indicates how your experience might be if you do business with them.
A company’s history discloses how they relate to the public and their ability to process and pay claims successfully.
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Discounts on Electric Car Insurance
It is easy to qualify for discounts on electric car insurance. Since society is promoting energy efficiency, discounts are available for electric cars. Other discounts you may be eligible for include:
- Club and organization memberships – AAA and other driving clubs are good for a 10% discount.
- Professional affiliations – Even lawyers, doctors and other professionals are eligible for a break in premiums.
- Safe driving classes – If there are points on your driving record safety driving classes will make a difference.
- Good credit – Having good credit can help lower your car insurance rates.
- Make and model of the car – New cars are easier to insure while older cars do not require full coverage.
- Zip code – Where you live impacts your premiums because living in a high crime-rate neighborhood means there’s a greater risk of you car being stolen or damaged.
The biggest savings hinge on credit and location. Ultimately, however, if you have a hybrid or electric car, you will save automatically.
Electric Car Insurance Inclusions
Electric car insurance is similar to the average policy in that state minimums determine how much coverage is needed. Full coverage includes:
- Bodily Injury Protection
- Personal Injury Protection
- Collision
- Comprehensive
- Uninsured Motorist Protection
A full coverage plan is also going to offer 24-hour towing and a rental car provision.
Owners of older cars that are not financed can get by with liability, and just take financial responsibility for damage to their own car.
A lot of states have no-fault laws, meaning regardless of who’s at fault the insurance companies will pay.
Electric Car Insurance and Hybrid Fuels
Major car manufacturers are designing and revealing their electric car varieties with pride. Some of these designs are:
- Citroen Survolt
- Nissan Leaf
- Chevrolet Volt
- Coda Sedan
- Tesla Roadster & Model S
- Fisker Karma
- Smart Fortwo ED
These cars offer the latest in energy efficiency and technology.
They all boast the most popular energy efficient feature which is zero emissions. Solar roof panels accumulate energy for longer battery life. Most use lithium batteries and have a hybrid gas option.
They also have additional safety features like seat belt height sensors and supplemental air bags. Manufacturers are making them with the ability to drive faster. Most can reach 90-120mph.
They can travel 50 to 100 miles before needing a recharge. For longer trips, a gas option is available on some vehicles.
Readmore: : Compare Smart Car Insurance Rates [2023]
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Where to Find Electric Car Insurance
Electric cars are making their debut all around the world, including in the U.S. They may be instrumental in regenerating the car industry in the U.S. Car insurance companies are welcoming hybrid and electric car owners with open arms.
An online search will reveal a list of companies to compare.
To obtain car insurance quotes on electric cars, enter your zip code now!
Frequently Asked Questions
Are there any special considerations for insuring hybrid electric cars?
Some insurance companies offer additional coverage options or discounts specific to hybrid electric cars. Inquire with providers for details.
Are there any specific insurance requirements for electric cars?
Electric car insurance requirements are generally similar to traditional cars, determined by state minimums.
Can electric car insurance policies include coverage for towing and rental cars?
Yes, full coverage electric car insurance policies typically include towing and rental car provisions.
Are electric cars more expensive to insure compared to traditional gas-powered cars?
Insurance costs for electric cars vary based on factors such as make/model, driver history, location, and coverage options.
How does my ZIP code affect my electric car insurance premiums?
Your ZIP code can impact your premiums due to the risk of theft or damage. Living in a high crime-rate neighborhood may result in higher premiums.
Are older electric cars more difficult to insure compared to newer models?
Newer electric cars are easier to insure, as they often have advanced safety features and are less prone to mechanical issues.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.