Electric vehicles offer numerous benefits to motorists. Unlike hybrids, they run entirely on power from a charging station, so you never need to buy gasoline. This eliminates carbon emissions and can result in high savings. The cost to drive 100 miles is often between $4 and $10, depending on the vehicle and electricity expenses in your area. Finally, because of the environmental benefits, buyers receive tax incentives that bring down the purchase price. However, you may have heard that auto insurance is more expensive for electric cars. Below is everything you need to know on the subject. 

An Introduction to Electric Car Auto Insurance

Do Electric Cars Cost More to Insure?

Electric cars are nearly 25% more expensive to insure than similar internal combustion vehicles. This is because electric vehicles are more costly to repair and replace due to having specialized parts. Since only a few repair shops are qualified to service electric engines, such shops can charge a premium. These factors all boost the risk your insurer faces if you're involved in an accident.  

Can You Qualify for Discounts?

auto insurance

Drivers of electric cars can qualify for numerous discounts that might lower their premiums considerably. These are identical to the discounts available to drivers of traditional vehicles. To save money, ask your agent about the following:

  • Multi-Line Discounts: Also called "bundle discounts," these offer a lower rate for purchasing more than one policy from the same insurer. For instance, by bundling auto coverage with a home or business policy, you save more than if you bought them separately.
  • Good Driver Discounts: Lower your premium by being a safe driver. If you have not been involved in a collision, filed an auto claim, or received a moving violation in three years or more, you may qualify for better rates.
  • Good Student Discounts: Save on the cost of insuring a teenage driver. Encourage them to keep their grades up, and they may qualify for a good student discount. These are valuable since teens are normally expensive to insure due to their inexperience.
  • Safety Feature Discounts: Most carriers offer reduced rates if your vehicle has safety features that reduce the likelihood of injuries or accidents. These include anti-lock brakes, airbags, and anti-theft devices.
  • Defensive Driving Course Discounts: You may also qualify for lower rates if you pass a state-approved driver safety or defensive driving class.


When you're in the market for electric auto insurance, contact the experts at Michael E. Glick Insurance in Boerne, TX. They have served Kendall County and the surrounding areas for more than 25 years. They are known for their quality insurance products and their friendly, knowledgeable agents, who can help you with auto, life, property, or business insurance. Learn more about them by visiting their website, or call (830) 816-9488 for a free auto insurance review.