Best Car Insurance for Hybrid and Electric Cars
- Hybrid and electric vehicles cost about 63% more to insure than gas-powered cars, averaging roughly $230 per month for hybrids and $315 per month for EVs.
- Travelers offers the lowest premiums for hybrid and electric vehicles.
Use The Zebra to get the best car insurance for hybrid and electric cars from GEICO, Progressive, Nationwide, Liberty Mutual and Allstate (+100 other companies)
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Car insurance for hybrid and electric vehicles
Because of their unique parts and service needs, hybrid and electric vehicles usually cost more to insure than gas-powered cars. The average cost of car insurance for electric vehicles is $315/mo, but this will vary based on the model and state you live in.[1] As such, it’s important to price shop to find the cheapest car insurance rates for your eco-friendly vehicle. Let’s look at insurance premiums from major providers for some of the most popular green vehicles.
$1,891
Cost for a 6-month auto insurance policy on an electric car
$1,377
Cost for a 6-month auto insurance policy on a hybrid car
Travelers
The cheapest car insurance company for electric and hybrid vehicles
Electric cars are typically more expensive to insure—by about 63%, according to Zebra data—but you might see a trade-off in savings depending on your driving habits.[2] See which type of vehicle is cheaper for you with our calculator.
Gas vs. Electric vs. Hybrid Car Cost Calculator: Which Is Cheaper for You?
Considering switching to an EV? Enter the details for the gas or hybrid and electric cars you want to compare to see which actually saves you more.
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How much is car insurance for electric vehicles?
Electric vehicle car insurance costs more than hybrid and gas-powered cars. Why? Because insurance is designed to cover the value of your car, and vehicles with high list prices—including most EVs—carry higher insurance premiums. Check out the average insurance costs for some popular EVs by insurance company.
Travelers is the cheapest car insurance company for electric vehicles, with rates around $183 per month on average. ALFA insurance also offers affordable premiums for EVs, but it is only available in select states. Check out average premiums from top insurance companies in our table below.
| Insurance company | Average 6-month Premiums |
|---|---|
| ALFA | $1,435 |
| Allstate | $5,420 |
| American Family | $3,763 |
| Amica Mutual | $4,330 |
| Auto-Owners | $2,972 |
| Erie | $3,092 |
| Farmers | $3,044 |
| GEICO | $4,419 |
| Hartford | $3,079 |
| Liberty Mutual | $5,449 |
| Nationwide | $2,919 |
| Progressive | $2,852 |
| Safeco | $3,522 |
| State Farm | $3,590 |
| Travelers | $2,205 |
| USAA | $3,149 |
Source: Quadrant Information Services
Best Insurance Companies for Electric Cars
Lemonade
Lemonade's mileage-based model is often beneficial to drivers of green vehicles. Plus, the company offers extra coverage for home chargers and emergency charging, as well as discounts for EVs and hybrids.
Travelers
In addition to offering the cheapest coverage, Travelers also rewards drivers with a hybrid/electric car discount.
Tesla Insurance
Tesla owners may opt for the in-house insurance provided by Tesla. Rather than rating policies through traditional methods, Tesla insurance uses driving safety scores collected in real time. This premium adjusts monthly based on your safety score. Available in select states.
Find insurance for your EV today!
How much is car insurance for hybrid vehicles?
While enthusiasm for hybrids may have cooled somewhat in light of the expanding availability of EV models, their impact on eco-friendly driving is hard to overstate. Hybrids still remain a moderately affordable option for eco-minded drivers. Also, they can be insured at a much lower cost on average. Below are some of the more popular hybrid models.
Who has the cheapest car insurance for hybrid cars?
According to our data, Travelers offers the cheapest car insurance rates for hybrid vehicles. If you live in a covered state, ALFA is another affordable choice.
| Company | Average 6-month Premium |
|---|---|
| ALFA | $1,092 |
| Allstate | $3,749 |
| American Family | $2,348 |
| Amica Mutual | $3,362 |
| Auto-Owners Insurance Co | $2,181 |
| Erie | $2,185 |
| Farmers | $2,337 |
| GEICO | $2,733 |
| Hartford | $2,451 |
| Liberty Mutual | $4,173 |
| Nationwide | $2,394 |
| Progressive | $2,148 |
| SAFECO | $2,781 |
| State Farm | $2,388 |
| Travelers | $1,649 |
| USAA | $2,475 |
Source: The Zebra
Gas vs Hybrid vs Electric Cars: Calculator and Guide | The Zebra
Deciding between a gas, hybrid or electric car? Our guide compiles everything you need to know to make the right choice.
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Going Green: States with the Best Electric Vehicle Tax Incentives
Many states offer a tax rebate or other incentives for purchasing an electric or hybrid vehicle. Our guide breaks down the states with the best electric vehicle tax rebates.
Is car insurance coverage different for hybrids and EVs vs. gas-powered vehicles?
In short, no. Car insurance is designed to be as broad as possible and to accommodate all forms of vehicles, including eco-friendly cars. The only truly unique aspect of hybrid or EV car insurance is the potential for an EV or hybrid auto insurance discount. While the name of the benefit may vary, it’s sometimes called a “green vehicle discount,” an "alternative fuel vehicle discount," or a “fuel-efficient discount.” The amount of the discount depends on the insurance company, but premium reductions enjoyed by hybrid owners often average 5% per six-month policy period.
Still deciding on an EV?
See how each green vehicle compares by using our tool.
Compare customized insurance quotes for electric and hybrid vehicles
Frequently asked questions
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Quadrant Information Services
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
