Auto insurance quotes for electric vehicles (EVs) in 2025 remain notably higher than for gas-powered cars, but there are important nuances and trends that real customers and industry experts are highlighting this year.

• On average, insuring a new EV is 23% to 37% more expensive than a comparable gasoline-powered vehicle.

• The average monthly difference is about $44 more per month for EVs compared to gas cars.

•  (annual averages):

  •  $2,503 (USAA offers the lowest at $1,766)

  •  $2,427 (State Farm and Progressive are among the cheapest)

  •  $1,391 (USAA and Nationwide are the most affordable)

  •  $2,537

  •  $3,000

  •  $3,812

  •  $2,725

  •  $4,346

  •  $1,474 (USAA and Liberty Mutual are cheapest)

•  EVs typically cost more to buy, which increases the cost to insure.

•  EV repairs require specialized technicians and proprietary parts, driving up claim costs. The average EV repair costs over $1,030 more than a gas car, and repairs take longer—on average 15.6 days vs. 12.7 days for gas vehicles.

•  Features like advanced driver assistance systems increase both repair complexity and insurance costs.

•  EV owners file about 17% more claims than owners of gas vehicles.

•  Insurance for EVs from legacy automakers (Ford, VW) can be up to 25% less than for EV-only brands (Tesla, Rivian).

•  While EV insurance is still pricier, the rate of increase is slowing in 2025 compared to previous years.

•  USAA, State Farm, Progressive, and Nationwide are consistently cited as offering the most competitive EV rates.

•  Customers report wide price differences between insurers for the same EV, making comparison shopping critical.

•  Many EV owners find savings by bundling policies or seeking out specialized green vehicle discounts, though not all insurers offer them.

• Compare quotes from at least five insurers—rates can vary by hundreds or even thousands of dollars for the same vehicle.

• Ask about EV-specific discounts or green vehicle programs.

•  or usage-based insurance programs if you drive less than average.

• Check repair network availability: Some insurers have preferred networks for EV repairs, which can lower costs and speed up claims.

Insuring an electric vehicle in 2025 is still more expensive than insuring a gas-powered car—by about 23% to 37% on average—due to higher repair costs, more advanced tech, and increased claim frequency. However, rates are stabilizing, and savvy shoppers can find better deals by comparing quotes and seeking out EV-friendly insurers and discounts.