Electric Vehicle Insurance Guide

You're driving the future, and we're here to help protect it. Your electric vehicle is a smart investment with specialized parts and unique needs, which is why we offer tailored electric car insurance to safeguard your vehicle and give you peace of mind on the road ahead. Let us help you build a policy as smart as your car.

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What is electric vehicle (EV) insurance?

At American Family, electric vehicle (EV) insurance starts with the same foundational coverages you would buy for a gas-powered car, such as collision, comprehensive, and liability protection. We recognize that your EV is a unique investment with specialized features, which is why we also offer additional coverages designed specifically for your needs as an EV owner. From protecting your accessories to providing emergency mobile charging, you can customize your policy to ensure you and your smart investment are always protected.

How is EV insurance different from traditional car insurance?

Electric vehicle (EV) insurance can differ from gas-powered car insurance because EVs often have specialized parts, advanced technology and unique repair considerations that may require the right protection. Components like battery systems, charging equipment and manufacturer-specific technology can affect what needs to be repaired or replaced after a covered loss. Some repairs may also require EV-trained technicians, specialized equipment or transport to a certified repair facility, which can influence claim handling and repair timelines. Because of these differences, insurance costs may vary depending on the vehicle, repairs and coverages selected.

Electric vehicle insurance coverage options

Finding the best insurance for electric cars means building a policy that protects your investment from every angle. A great policy starts with the standard auto coverages required for any car and adds specialized protection designed for the unique needs of an EV.

Here are the key coverage options to consider for your electric vehicle:

Essential auto coverage choices for your EV

These are the foundational car insurance coverages to select from that protect you, your passengers, and others on the road.

• Liability coverage: Helps pay for injuries or property damage you may cause to others in an accident.
• Collision coverage: Covers repairs to your EV from damage caused by hitting another vehicle or object, regardless of who is at fault.
• Comprehensive coverage: Pays for non-collision damage to your car from events like theft, vandalism, fire, or severe weather.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident caused by a driver who has too little—or zero—insurance.
• Medical Payments: Helps cover medical expenses for you and your passengers after an accident, no matter who is at fault.

Specialized coverages to protect your EV investment

These options are designed to safeguard the unique and valuable components of your electric vehicle.

• Emergency Roadside Service: Gets you moving with EV-specific help, including mobile charging or a tow to the nearest qualified repair shop.¹
• Original Equipment Manufacturer (OEM) Parts: Ensures your EV is repaired with parts directly from the manufacturer, so your EV performs at its best.
• New car replacement: Helps you buy a similar new EV after a total loss, depending on your vehicle’s age.
• Rental reimbursement: Helps you to rent another EV while yours is being repaired after a covered claim.²
• Customization coverage: Helps restore personal touches like custom paint, wraps, or upgraded wheels if they are damaged in a covered loss.

Is EV insurance more expensive?

EV insurance can be more expensive than insurance for a comparable gas-powered vehicle because electric cars often cost more to repair or replace after a claim. Parts like sensors, specialized body components, and advanced driver-assistance systems can increase repair complexity, and many EVs require certified shops or specialized equipment—both of which can raise labor costs. That said, the cost of your car insurance depends on the vehicle and your situation.

Factors affecting EV insurance rates

Several key factors determine the insurance rates for electric cars, from the specifics of your vehicle to the customized coverages you choose. Understanding these elements helps you build a policy that provides the right protection for your smart investment.

• Vehicle Make, Model, and Value
  The specific electric vehicle you drive is a primary factor in your electric car insurance cost. EVs often have a higher purchase price and contain specialized parts, like large battery packs and advanced sensor systems. The complexity and cost to repair or replace these unique components are considered when calculating your premium.
• Your Coverage and Customization Choices
  The coverages you select play the biggest role in your rate. After establishing foundational protection like collision and liability, you can add specialized options to safeguard your investment. Choosing coverages like New Car Replacement, Original Equipment Manufacturer (OEM) Parts, and the new EV Charger Coverage will customize your policy and influence your final premium.
• Driving History
  Just like with any auto policy, your personal driving record plays a significant role what you pay for car insurance. A history of safe driving can help lower your costs.
• Available Discounts
  You may be eligible for discounts that can help lower your premium. Many electric vehicles come equipped with advanced safety and anti-theft features that may qualify for savings. Be sure to ask your agent about all available discounts to ensure you're getting the best possible rate.

EV insurance discounts and ways to save³

While insuring an EV may cost more, depending on the vehicle type, American Family offers several ways to save on your premium. Exploring these EV insurance discounts can help you get the best value while ensuring your smart investment is fully protected.

• Multi-policy and multiple-vehicle discount: One of the most effective ways to save is by bundling your EV insurance with your home, renters, or umbrella policy. This not only simplifies your insurance but can also lead to significant savings on all your policies.
• Accident-free discount: You may qualify for an added discount on your auto insurance if you've been accident free for up to five years.
• Violation-free discount: If you've been without a traffic violation for the last five years, get rewarded for your good driving habits with an additional discount on your auto insurance.
• Full coverage discount: Get rewarded for adding comprehensive and collision coverage on your auto insurance policy with our Full Coverage discount.
• Advanced Driver Assistance Systems (ADAS): If you own a newer vehicle with ADAS such as autonomous breaking and lane departure warning, you may get a lower rate for making safety a priority.
• AutoPay and paperless billing discounts: You can earn savings simply by managing your policy efficiently. Sign up for automatic payments and choose to receive your documents electronically to qualify for these easy discounts.
• DriveMyWay (usage-based insurance): With DriveMyWay, you can earn a personalized rate based on your driving. Save between 10-35% when you drive safely.⁴
• MilesMyWay (pay-per-mile option): MilesMyWay is designed for drivers who don’t put a lot of miles on their vehicle. Drive less, save up to 25%.⁵

Car insurance for popular EV models

Whether you drive a cutting-edge EV or a practical everyday commuter, American Family Insurance can help you build coverage that fits your vehicle and the way you drive. We insure a wide range of electric vehicles, including many popular models like:

• Tesla (Model 3, Model Y, Model S, Model X)
• Chevrolet Bolt EV / Bolt EUV
• Ford Mustang Mach-E
• Ford F-150 Lightning
• Hyundai IONIQ 5
• Hyundai IONIQ 6
• Kia EV6
• Nissan LEAF
• Volkswagen ID.4
• BMW i4
• Audi Q4 e-tron
• Rivian R1T / R1S
• Volvo EX30
• Honda Prologue
• Dodge Charger Daytona EV
• Cadilac Lyriq
• Chevrolet Silverado EV
• Chevrolet Blazer EV
• Chevrolet Equinox EV
• GMC Sierra EV

Don’t see your EV listed? You can still get a quote—vehicle availability, pricing, coverages, and discounts can vary by state and other factors.

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How to get an electric vehicle insurance quote

Getting EV insurance quotes is quick when you have a few details ready. Here’s what you’ll typically need to get an electric vehicle insurance quote from American Family:

• Your vehicle details: year, make, model, trim, and whether it’s leased or financed
• VIN (Vehicle Identification Number): helpful for the most accurate quote
• Estimated annual mileage: about how many miles you drive in a year
• Primary drivers: names, dates of birth, and driver’s license numbers (if available)
• Driving history: recent accidents, violations, or claims (if any)
• Current insurance info: current carrier and policy expiration date (if you have an existing policy)
• Coverage choices: desired liability limits and whether you want comprehensive and collision (often required if leased/financed)
• Discount opportunities: multi-policy/bundle details, safety features, and any driver/vehicle info that may qualify for savings

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FAQs about electric vehicle (EV) insurance

Does EV insurance cover battery damage or battery replacement?

Yes, your EV’s battery is typically covered for damage under your standard auto insurance coverages. If the battery is damaged in a car accident, your Collision coverage would apply. If it's damaged by a non-collision event like a fire, theft, or falling object, your Comprehensive coverage would help pay for repairs or replacement. However, standard policies do not cover battery degradation or failure from normal wear and tear.

What happens if my EV breaks down or runs out of charge?

If your EV breaks down or you run out of battery power on the road, Emergency Roadside Service coverage is there to help—if you had selected this optional coverage. This service is designed for EVs and can provide a mobile charger to give you enough range to get to the nearest station. If mobile charging isn't an option, a tow may be arranged to a qualified EV repair facility to get you back on the road.³

Can I transfer my current car insurance policy to an electric vehicle?

Yes, absolutely. You don't need to start from scratch with a new policy. You can simply update your existing car insurance policy by contacting your agent to replace your previous vehicle with your new EV. This is also the perfect time to review your coverages and discuss adding EV-specific options to make sure your new investment is properly protected.

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Ready to protect your electric vehicle with coverage built for the way you drive? Get a fast, personalized EV insurance quote from American Family and choose the coverages and discounts that fit your needs.

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Related Resources

• Car insurance
• Insurance discounts
• Usage-based insurance programs

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

1. Availability varies based on the way you purchase insurance and by state. Limits and exclusions apply. Refer to your policy or talk to your agent for details.

2. Daily allowances or limits may vary by policy. Exclusions may apply.

3. Discount, savings and product eligibility varies based on the way you purchase insurance, by state, property type and policy form. Discounts may not apply to all coverages on an auto or home policy. Discounts do not apply to life policies. Exclusions may apply.

4. DriveMyWay plans & discounts may vary by state. Rate will vary based on driving behavior. Unsafe driving behaviors may increase your rate. Products, pricing, and availability vary based on the way you purchase insurance and by state, vehicle type, policy form and company underwriting the auto policy. Some restrictions may apply. The DriveMyWay rate factor applies only to these coverages, which are typical for most auto policies: bodily injury liability, property damage liability, collision and comprehensive, medical expense and personal injury protection. Additionally, the rate factor does not apply to fixed fees that are part of the policy. Customer driving data from the DriveMyWay & KnowYourDrive program were used to inform rate structure. If you choose to unenroll anytime after the trial period ends, we’ll use your latest program score when calculating your rate at future renewals.

5. MilesMyWay savings apply only to the following variable coverages, which are typical for most auto policies: bodily injury liability, property damage liability, collision and comprehensive, medical expense, underinsured and uninsured and personal injury protection. Additionally, the savings do not apply to fixed fees that are part of your policy. Savings are applied to the vehicle-specific premium, not a customer’s overall premium. Availability varies based on the way you purchase insurance and by state. High mileage driving may result in you losing your discount. Exclusions may apply.