Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: May 26, 2021

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In a nutshell...

  • Just like any other type of vehicle, electric car owners are required to have insurance coverage to be allowed to drive
  • Not all insurance companies offer coverage for electric cars; although a majority of them provide this service
  • Electric cars attract discounts on premiums because they tend to be smaller and less powerful
  • There are ways you can use to reduce premium rates for your electric car

In your quest to save the environment, you might be thinking of acquiring a green vehicle, like an electric car. These vehicles are becoming more popular as the cost of fuel continues to skyrocket.

In fact, electric as well as other vehicles running on substitutes to diesel and petrol will soon be the vehicles of choice, since oil-based fuels are set to get more expensive because of the diminishing supply.

Another factor that has led to the high demand for green cars is the growing trend among environmentally-conscious drivers who want to protect the environment by abandoning fossil fuels and the related carbon emissions.

Those who plan to go green with their cars should know that auto insurance is still a state requirement, just like it is with any vehicle on the road.

Make sure you have the coverage you need for the best price. Enter your zip code into our free comparison tool to get started.

Do all insurers offer electric car insurance?

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The electric car industry is rapidly growing, and as a result, many insurance providers offer coverage for these types of vehicles or have incorporated electrical vehicles into their online quotation set up.

As a result, electric vehicle (EV) buyers no longer have to go to specialist insurers to insure their electric cars. In fact, there isn’t a big difference between insuring an electric vehicle and insuring a standard petrol or diesel vehicle.

However, there is still a small percentage of specialist insurers who can offer better cover due to their more tailored coverage for low-emission green cars.

Customers of EVs also have the option of getting insurance packages from manufacturers, so finding electric car insurance is now much easier than before when the market was first emerging.

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Electric Car Insurance

These cars have smaller engines and they are less powerful than standard cars, meaning they are safer.

As an accolade for being more environmentally conscious, some insurance providers also provide discounts of up to five percent to electric car drivers.

On the flip side, premiums for EVs can increase due to the specialized repair work they might require if, for instance, the driver was involved in a collision.

That is why you should spare some time to do your research and compare various quotes.

Just like all the other insurance policies, the costs, discounts, and features vary from one company to the next and it is vital to get a variety of quotes in order to compare and see which one favors you the most.

Also remember, cheapest is not always the best; a policy that is five percent cheaper may not incorporate the necessary leased battery cover, or it could have a higher excess.

Specific Considerations for Electric Cars

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If you have an electric car, be aware that companies take the following into consideration:

  • Leased batteries  Leasing the car battery from the manufacturer might result in reduced insurance costs. If you decide to lease the battery on a contract different from owning the car, it is vital to let your insurer know in order to prevent problems should you need to make a claim.
  • Power cables  You have to plug in an electric car in order to charge it, so another vital issue to look at is the power cables. When charging your electric car, you have a responsibility to care for the members of the public who might injure themselves by tripping over the cable.
  • Temporary additional cover  EVs are often less appropriate for longer travels than diesel or petrol cars, particularly if the range is insufficient and the electric car does not have rapid charging capabilities to alleviate this issue. To deal with the problem, some manufacturers incorporate the use of a diesel or petrol car for a specified number of days in a year.

Lowering the Premiums for Your Electric Car

Just like other kinds of insurance, there are various things that you can do to lower the cost of your cover. This can be anything from limiting your mileage, to parking your EV in your garage, or adding another driver to your policy.

Insurers will also reward you if you have accumulated a no claims discount for some years.

When it comes to electric car insurance policies, it is good to check out your options by doing a lot of research.

It is important to note that this technology is still quite new and as such, insurance sectors in most states are yet to come up with a model by which they can calculate the risks of such vehicles and produce a policy that covers all eventualities.

For instance, EVs are charged using power cables, and some insurance policies incorporate cover for personal injury due to someone tripping on these, but many others do not.

The good news is that electric car owners are categorized as low-risk drivers and as such, they are offered lower premium rates. Make sure you do your research and compare quotes before choosing the most favorable one.

Comparison search today to find an insurer that works for you.