8 Best Car Insurance for Electric Vehicles of 2026

This list is for drivers of battery electric cars who want two things: a fair premium and clear answers on what happens to the battery and the charger after a loss. We compared documented EV coverage, discounts, roadside charging help, charger rules and published prices or savings figures on each insurer's own pages in November 2026, plus Tesla's annual report for Tesla Insurance. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Insurers do not publish EV premiums, so the prices shown are published averages or savings claims. GEICO, Farmers and Nationwide were not ranked because their EV pages could not be loaded for checking.

1. 01Top value

   

   Allstate

   8.8/10

   National insurer with a dedicated EV program covering roadside battery charging, flatbed towing and partner offers on home chargers.

   Price

   Custompremium by quote, average savings when switching

   No EV premium published; Allstate says customers who switched saved $900 on average

   “Customers who switched their car insurance to Allstate saved $900¹ on their premium with various discounts.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   9.3

   Ease of use (25%)

   8.6

   Best forEV owners who charge at home and want EV roadside help

   Allstate has the most complete EV page of the insurers we checked. The policy itself is the standard Allstate auto policy, so an EV gets the same comprehensive and collision options as a gas car, which is what pays for a damaged battery after a crash or covered peril. The EV extras sit around it. Allstate roadside lists battery charging and flatbed towing for electric vehicles, and in some markets an independent provider can deliver a short-range charge on site instead of towing. Allstate has also lined up partner offers for home charging: a protection plan that covers the full value of a home charger against mechanical failure and accidental damage, 5% off a top-rated charger and 5% off electrical installation. Bundling home and EV insurance can save up to 25%. The catch is that the charger benefits are partner offers rather than auto coverage, and Allstate does not publish an EV premium.

   • ✓Only insurer here with charger protection and charger discounts listed on its EV page
   • ✓Save up to 25% when you bundle Allstate home and electric car insurance
   • ✓Drivewise rates you on your own driving

   • ✕Charger protection and charger discounts come from partner companies, not the auto policy
   • ✕On-site charging depends on market and provider availability
   • ✕Drivewise can raise your rate in some states if you drive in a high-risk way

   EV roadside:

   Battery charging and flatbed towing

   Home charger:

   Partner protection plan and 5% off

   Bundle savings:

   Up to 25% with home

   Average switching savings:

   $900

   Bottom line: Allstate is the best car insurance for EV owners because its EV program adds roadside battery charging, flatbed towing and partner home charger protection to standard coverage. Owners who want an outright EV discount should compare Travelers.

   Visit allstate.com ↗

2. 02

   

   State Farm

   8.6/10

   Agent-based national insurer with EV guidance on charging equipment and emergency road service to a charger.

   Price

   Custompremium by quote, average savings when switching

   No EV premium published; drivers who switch save an average of $740

   “Drivers who switch to State Farm save an average of $740.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.4

   Features (35%)

   8.7

   Ease of use (25%)

   8.6

   Best forEV owners who want an agent and charging equipment clarity

   State Farm treats an EV as a regular car on the coverage side and is unusually specific about charging. Its EV page says comprehensive and collision may include equipment common to the use of the vehicle, such as charging equipment, if it is damaged in a covered loss, and its EV guide adds that permanently installed home chargers are usually tied to the homeowners, renters or condo policy. If the battery runs flat, emergency road service can pay the fair cost of towing to the nearest place where the car can be charged. State Farm also warns that battery replacement could cost $5,000 to $15,000 before labor, which is the main reason to keep full coverage. There is no EV discount on its pages, so savings come from Drive Safe & Save (up to 30%), Steer Clear and bundling. Drivers who switch save an average of $740, according to State Farm.

   • ✓Clear written answer on portable charging equipment under the auto policy
   • ✓Handles 28,000+ claims a day on average
   • ✓Electric car insurance quotes online or through a State Farm agent

   • ✕No discount specific to electric vehicles is listed
   • ✕Permanently installed home chargers usually fall under the home policy
   • ✕Discount availability and amounts vary by state

   Charging equipment:

   May be covered by comprehensive and collision

   Out of charge:

   Emergency road service can tow to a charger

   Telematics:

   Drive Safe & Save, up to 30%

   Average switching savings:

   $740

   Bottom line: State Farm is the best choice for EV owners who want charging equipment and roadside charging spelled out by an agent. Owners chasing an EV-specific discount should quote Travelers too.

   Visit statefarm.com ↗

3. 03

   

   Travelers

   8.6/10

   National insurer that lists a hybrid/electric car discount alongside IntelliDrive telematics savings.

   Price

   Custompremium by quote, bundle savings

   No EV premium published; save up to 10% on auto when you bundle home, condo or renters

   “When you buy property insurance (home, condo or renters) together with your car insurance, you can save up to 10% on your auto policy premium.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.9

   Features (35%)

   8.5

   Ease of use (25%)

   8.3

   Best forEV owners who want an electric car discount

   Travelers is the clearest choice for an EV owner who mainly wants a lower rate. Its discounts page lists a hybrid/electric car insurance discount for people who own or lease a qualifying car, and its FAQ says additional discounts may apply when you insure a new or hybrid/electric car. That stacks with up to 10% off the auto premium when you also buy home, condo or renters insurance, and with IntelliDrive, a telematics program that rewards safer driving and runs in 38 states plus DC, with IntelliDrive 365 in four more. What Travelers does not do is publish how large the EV discount is, so you need a quote to see it. It also has no EV-specific roadside or charger benefit on its pages. Travelers does not quote in Alaska, Florida, Hawaii or Louisiana, and several discounts are unavailable in California.

   • ✓One of the few national insurers that lists an EV discount
   • ✓Discount applies to leased cars as well as owned ones
   • ✓EV and new car discounts can combine with bundling

   • ✕The discount percentage is not published
   • ✕Quotes are not available in AK, FL, HI and LA
   • ✕Several discounts are not available in CA, and some products there require a local agent

   EV discount:

   Hybrid/electric car discount

   Bundle savings:

   Up to 10% on auto

   Telematics:

   IntelliDrive

   No quotes in:

   AK, FL, HI, LA

   Bottom line: Travelers is the best choice for EV owners focused on price because it lists a hybrid/electric car discount that combines with bundling and IntelliDrive. Drivers in AK, FL, HI or LA need another insurer.

   Visit travelers.com ↗

4. 04

   

   USAA

   8.5/10

   Member-only insurer for the military community with written EV battery coverage and EV roadside help.

   Price

   Custompremium by quote, average yearly savings when switching

   No EV premium published; members saved an average of $960 a year when they switched

   “A survey showed that our members saved an average of $960 per year when they switched to USAA Auto Insurance.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   9.0

   Features (35%)

   8.6

   Ease of use (25%)

   7.6

   Best forMilitary families who drive an EV

   USAA has the most direct battery language of any insurer here. Its EV page says that if the battery is damaged in a covered event, USAA will help pay for the repair or replacement, and that members with towing and labor coverage get towed to a nearby shop if the battery dies. Roadside assistance also covers an EV that runs out of charge, and a member who needs a rental after a covered loss can pick an EV when one is available. Savings are strong: members surveyed saved an average of $960 a year after switching, and SafePilot can take up to 30% off at renewal in eligible states. Two limits matter. USAA only serves the military community and eligible family, and USAA Auto Insurance does not cover EV charging equipment, so a home charger needs a home policy. USAA also notes some EV models must be repaired by the manufacturer.

   • ✓Battery coverage after a covered event is stated on the EV page
   • ✓Largest published switching savings on this list at $960 a year
   • ✓SafePilot savings up to 30% at renewal

   • ✕Membership is limited to the military community and eligible family
   • ✕USAA Auto Insurance does not cover EV charging equipment
   • ✕Some EV repairs must go to the original manufacturer, which can slow claims

   Battery:

   Repair or replacement after a covered event

   Charging equipment:

   Not covered by auto policy

   Telematics:

   SafePilot, up to 30% at renewal

   Average switching savings:

   $960 a year

   Bottom line: USAA is the best choice for military families with an EV because it writes battery repair or replacement after a covered event into its EV coverage and reports $960 average switching savings. Everyone else is not eligible.

   Visit usaa.com ↗

5. 05

   

   Tesla Insurance

   8.4/10

   Tesla's own insurance product, priced on real-time driving behavior in the states where it is sold.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   8.0

   Ease of use (25%)

   8.6

   Best forTesla drivers in states where it is sold

   Tesla Insurance is the carmaker's own policy, and for Tesla drivers in the right state it is worth a quote. In its annual report for 2025, Tesla says it launched the product in 2021 using real-time driving behavior, that it offers rates that are often better than other alternatives and promotes safer driving, and that it is available in 13 states with plans to expand as part of lowering the total cost of ownership. That pricing model rewards careful drivers directly, much like Progressive Snapshot or Root, but without a separate app or device. The drawbacks are reach and transparency. Thirteen states leaves most of the country out, Tesla positions it for its own customers, and Tesla does not publish a price or average premium we could check. Its website could not be loaded for verification from our location, so the facts here come from Tesla's SEC filing.

   • ✓Premium follows how you actually drive
   • ✓Bought from the same company that builds and services the car
   • ✓Built around one brand of EV

   • ✕Only 13 states
   • ✕No published price or average premium
   • ✕Built for Tesla's own customers rather than all EV owners

   States:

   13

   Pricing basis:

   Real-time driving behavior

   Launched:

   2021

   Source:

   Tesla 2025 Form 10-K

   Bottom line: Tesla Insurance is the best choice for Tesla drivers in its 13 states because it prices on real-time driving behavior. Drivers of other EVs, or outside those states, should start with Allstate or Travelers.

   Visit tesla.com ↗

6. 06

   

   Progressive

   8.2/10

   Large online insurer with no EV discount but published average rates and Snapshot usage-based pricing.

   Price

   Customper month, average liability-only policy

   Average liability-only policy from $87.56 a month in low-cost states to $165.02 in high-cost states

   “The average cost of Progressive car insurance ranges from $87.56 per month in low-cost states to $165.02 per month in high-cost states for a liability-only policy.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.4

   Features (35%)

   7.6

   Ease of use (25%)

   8.8

   Best forEV owners who want published average rates

   Progressive is upfront that it does not offer a discount specific to electric vehicles, and it says its customers earn an average of seven discounts instead. Its EV article is one of the better explainers we read: it cites an IIHS-HLDI study in which EV models had significantly fewer property damage and collision claims than their gas versions, though the claims that did happen cost more. For pricing, Progressive is the only insurer on this list that publishes average monthly rates, from $87.56 in low-cost states to $165.02 in high-cost states for liability-only coverage. EV owners will want full coverage, which costs more. Snapshot personalizes the rate to how you drive, and drivers who save with it save $328 a year on average. Deductible Savings Bank trims $50 off the deductible for each claim-free policy period down to $0, which helps with the larger deductibles common on expensive EV repairs.

   • ✓Only insurer here that publishes average monthly rates
   • ✓Deductible Savings Bank offsets higher EV repair deductibles over time
   • ✓Cites IIHS-HLDI data showing EV models had fewer property damage and collision claims

   • ✕Progressive says it does not offer a discount specific to electric vehicles
   • ✕Published averages are for liability-only policies, not full coverage
   • ✕No EV-specific battery or charger benefit listed

   EV discount:

   None

   Average liability-only rate:

   $87.56 to $165.02 a month

   Snapshot savings:

   $328 a year on average

   Deductible Savings Bank:

   $50 off per claim-free period

   Bottom line: Progressive is the best choice for EV owners who want published average rates and usage-based pricing through Snapshot. Owners who want an EV discount should look at Travelers.

   Visit progressive.com ↗

7. 07

   

   Liberty Mutual

   8.1/10

   National insurer with Better Car Replacement and RightTrack savings for owners of newer EVs.

   Price

   Custompremium by quote, savings when switching

   No EV premium published; drivers who switch could save over $700

   “Drivers who switch to Liberty Mutual could save over $700 on car insurance.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.0

   Features (35%)

   8.0

   Ease of use (25%)

   8.2

   Best forOwners of newer EVs who want replacement coverage

   Liberty Mutual has no EV-specific discount or roadside perk on its auto page, but one add-on suits EV owners well. Better Car Replacement pays for a model one year newer if your car is totaled, which helps when a battery-damaged EV is written off after a relatively small crash. RightTrack rewards safe driving, though the score only applies to certain coverages, and the Violation-Free Discount rewards a clean record. Bundling auto and home could save over $950, and that also keeps a wall-mounted charger, which is usually a home policy item, with the same company. Liberty Mutual's EV battery and charging guide explains that collision or comprehensive covers battery damage from covered events while normal wear and defects fall to the warranty. Drivers who switch could save over $700, according to Liberty Mutual. There is no published EV premium.

   • ✓Better Car Replacement helps with fast EV depreciation after a total loss
   • ✓RightTrack savings for safe driving
   • ✓Bundling with home covers the installed charger under one company

   • ✕No EV-specific discount or roadside benefit on its auto page
   • ✕RightTrack score applies only to certain coverages
   • ✕Better Car Replacement is a paid add-on

   Replacement add-on:

   Better Car Replacement

   Telematics:

   RightTrack

   Bundle savings:

   Over $950

   Switching savings:

   Over $700

   Bottom line: Liberty Mutual is the best choice for owners of newer EVs who want Better Car Replacement after a total loss. Owners who want EV roadside help or a charger offer should pick Allstate.

   Visit libertymutual.com ↗

8. 08

   

   Root

   7.8/10

   App-based insurer that prices on driving data, with savings of up to $109 a month for its best drivers.

   Price

   Custompremium by quote, monthly savings for best drivers

   No EV premium published; Root's best drivers save up to $109 a month

   “Our best drivers save up $109 a month.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.3

   Features (35%)

   6.9

   Ease of use (25%)

   8.4

   Best forSafe EV drivers who want an app-only insurer

   Root is a fit for EV drivers whose main goal is a fair rate based on their own habits rather than on the car's price tag. Drivers who share driving data could qualify for a better rate, and Root says its best drivers save up to $109 a month. Everything runs through the Root app: you view insurance cards and policy details there and can start a claim in about three minutes. Root does not list anything EV-specific, so battery protection comes from standard comprehensive and collision, and you will need your own roadside plan for running out of charge. Coverage is not available in all states, and in California and Maryland Root does not use telematics, so the advertised savings do not apply there. Root works best as a second quote next to Progressive Snapshot or Tesla Insurance for careful drivers.

   • ✓Rate tied closely to your own driving
   • ✓Fully app-based policy management
   • ✓Fast in-app claims

   • ✕No EV-specific coverage, discount or roadside benefit listed
   • ✕Not available in all states
   • ✕Telematics savings do not apply in California or Maryland

   Pricing basis:

   Driving data

   Top savings:

   Up to $109 a month

   Claims:

   In app, about 3 minutes

   Telematics not used in:

   CA, MD

   Bottom line: Root is the best choice for safe EV drivers who want an app-only insurer because its best drivers save up to $109 a month. Owners who want EV roadside or charger benefits should choose Allstate.

   Visit root.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.