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How much does electric car insurance actually cost in 2019?

May 1, 2019

There is a lot of disinformation out there that electric cars are more expensive than ICE vehicles to insure. A lot of this FUD (fear, uncertainty and doubt) is most likely spread by comapanies wanting electric cars to fail.

We know that the truth, however: they are no more expensive to insure than normal cars, SUVs and vehicles in 2019.

We will go state-to-state in the following, to compare actual quotes for each state. Not all of these quotes have been negotiated by our dealer, but can give you a rough idea of quotes actual people have received in 2019 in various states. Get a quote below to receive your personal quote that reflects your situation. As mentioned it depends on various factors, but shouldn’t cost more.

Below are real quotes from around the country, and it’ll be updated with live quotes from people in various states over time –

LocationModelCostMore info
Upstate NY, NYModel 3 LR AWD$364/ 6 months.Collision and comprehensive @$250 deductible w/ full glass, liability @250/500k.
NYC, NYModel 3 LR AWD$1100/ 6 months.Collision and comprehensive @$250 deductible w/ full glass, liability @250/500k.
LA, CaliforniaModel 3 LR AWD$580/ 6 months.Collision and comprehensive @$800 deductible w/ full glass, liability @400/500k.
Miami, FloridaModel S P100D$1200/ 6 months.Collision and comprehensive @$800 deductible w/ full glass, liability @300/500k.

This can vary wildly by state, county, marital status, driving history and of course car model. To get a quote from us, please tap the form below and fill out the form in 5 minutes to get a quote.


Thank you for reading, and thank you for being part of the electification of transport. ⚡️

Find better, cheaper EV insurance in 30 US-States.