EV Insurance Cost Calculator 2026

Electric Vehicle Insurance Calculator

Select your EV model to see estimated insurance costs in United States

Select Your EV Model

Select a model

Popular EV Models

Insurance costs for the most popular electric vehicles in United States

Best Seller

Tesla Model 3

Estimated monthly insurance cost

$117-$183/mo

SUV

Tesla Model Y

Estimated monthly insurance cost

$133-$208/mo

Truck

Rivian R1T

Estimated monthly insurance cost

$150-$250/mo

Popular

Ford Mustang Mach-E

Estimated monthly insurance cost

$125-$200/mo

Affordable

Hyundai Ioniq 5

Estimated monthly insurance cost

$117-$192/mo

Budget

Nissan Leaf

Estimated monthly insurance cost

$92-$142/mo

Frequently Asked Questions

Everything you need to know about EV insurance

Is EV insurance more expensive than gas car insurance?

On average, EV insurance costs 15-25% more than gas car insurance due to higher repair costs and expensive battery replacements.

Why is Tesla insurance so expensive?

Tesla vehicles have high repair costs, specialized parts, and aluminum body panels that require specialized repair shops.

Does EV insurance cover battery replacement?

Comprehensive coverage typically covers battery damage from accidents, theft, or weather events. Battery degradation from normal use is usually covered by the manufacturer warranty.

Which EV is cheapest to insure?

The Nissan Leaf, Chevy Bolt EV, and Hyundai Ioniq 5 are among the cheapest EVs to insure.

Are there EV insurance discounts?

Many insurers offer discounts for EV owners, including safe driver discounts, low mileage discounts, and green vehicle discounts.