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Repair costs, battery coverage and EV discounts, explained.
Electric and hybrid vehicles can cost more to insure than a comparable gas car because repairs, parts and batteries are expensive and fewer shops can fix them. Some insurers offset this with green-vehicle discounts.
Get a quote before you buy: premiums vary widely between models and insurers. Ask how the battery is valued after a total loss and whether a home charger is covered under your home policy.
Or call +1 877 610 6554 · Monday to Friday, 9 a.m. to 6 p.m. ET
Who it’s for
Coverage
Covers repairs, which matter more because EV parts and batteries are costly.
Pays a new-vehicle value for a total loss in the first years.
Home chargers are usually covered under the home policy; check limits.
Offered by some insurers for electric and hybrid vehicles.
Before you buy
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Every request is matched with an advisor licensed in your province who compares insurers for you, explains the fine print and handles the application. No cost to you and no obligation to buy.
Learn before you buy
There is no official national average. The latest official figures put Ontario at $2,164 a year, Alberta at $1,903 and British Columbia at $1,358 for Basic and Optional coverage, each measured its own way. Here are all 13 provinces and territories and 15 cities compared.
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