Electric car ownership is increasing as customers prioritize more environmentally friendly and technologically advanced vehicles. Along with this shift, protecting your investment in an electric car requires the appropriate insurance. However, too many new owners of electric cars make avoidable mistakes when selecting coverage. Here’s a list of common electric car insurance mistakes in 2025, as well as some tips to help you make better decisions that protect you and your car. BEST Car Insurance View is here to help you choose the best Electric car insurance through expert advice and suggestions.
1. Underestimating Electric Car Repair Costs
Even though electric cars have fewer maintenance issues, repair costs, particularly for more specialized parts like batteries – can be extremely high.
- Battery Costs: Repairing or replacing an electric car battery can cost thousands of dollars. Make sure your insurance covers battery-related expenses.
- Electric cars must be repaired at accredited electric car repair shops, as not all repair shops are equipped to handle high-voltage systems and EV-specific components.
For more information on battery protection and repair costs, consult BEST Car Insurance View’s comprehensive guide to EV-specific insurance coverage.
2. Choosing Basic Over Complete Coverage
Basic insurance could not be sufficient to meet the specific needs of an electric car.
- Lack of Proper Coverage: Basic insurance does not protect against theft or natural disasters. It places you in a vulnerable financial situation.
- Higher Expenditure: Using the comprehensive insurance package, you may be required to pay for expensive repairs and replacements for your electric vehicle.
Learn why electric car owners require comprehensive coverage at BEST Car Insurance View.
3. Overlooking Electric Car’s-Specific Roadside Assistance
Standard roadside assistance does not always cover the needs of electric cars.
- Charging Assistance: Running out of charge is a common problem for electric car users. Make sure the policy covers mobile charging or assistance.
- Flatbed Towing: To avoid battery damage, electric cars require flatbed towing; ensure that your policy specifically covers this type of towing.
4. Ignoring Battery Health Coverage
The battery is one of the primary cost drivers in electric vehicles, and coverage for degradation is frequently overlooked.
- Battery Replacement Costs: Because electric car batteries are such a rip-off in terms of cost, full insurance coverage, including battery replacement, is recommended.
- Impact on Resale Value: Maintaining your car’s battery with insurance coverage increases its resale value, making it an important factor in long-term cost savings.
To learn more about battery health coverage, visit our Battery Coverage page for your Electric Car Insurance Resources.
5. Skipping Charging Equipment Coverage
Home and portable chargers are extremely expensive and frequently not included in standard policies.
- Home Charger Insurance covers damage or theft to your home charging station.
- Portable Charger Insurance: Portable chargers, too, require insurance to protect against theft or damage.
6. Not Considering Location Impact on Premiums
Your location can influence your premium, especially if you live in a busy region or town with a high risk of accidents.
- Traffic Congestion: Because electric cars are more likely to be involved in accidents, urban drivers may pay higher premiums.
- Charging Infrastructure: In areas with fewer charging stations, insurers may increase rates to cover roadside assistance costs.
7. Overlooking Gap Insurance
Electric cars depreciate faster than traditional vehicles. This makes gap insurance essential for new electric car owners.
- Financial Protection: In the event that your electric car is declared a total loss, gap insurance will pay off the remaining loan balances minus the vehicle value.
- Peace of Mind for First-Time Buyers: New electric car owners, particularly first-time buyers, can be confident that they will not lose money due to rapid depreciation in the event of an accident.
8. Skipping Premium Review at Policy Renewal
As the electric car market grows, insurance companies may introduce policies and discounts specifically for electric vehicles. Therefore, renewal terms must always be reviewed.
- New Policy Terms: To avoid overpayment, look for any updates or discounts that may be available to electric car operators.
- Customized Add-Ons: Find out more about annual renewals, which highlight new exclusive add-ons from your insurance company for electric vehicles, such as charging station coverage or enhanced roadside assistance.
9. Missing Discounts for Low-Mileage or Eco-Friendly Cars
Most insurance companies are starting to offer discounts to low-mileage or environmentally friendly vehicles.
- Eco-friendly incentives: Premium discounts are available for low-mileage or environmentally friendly driving habits.
- Telematics Benefits: Some insurers also offer telematics-based programs that reward safe and efficient driving habits, resulting in additional savings for electric car owners.
Final Thoughts on Electric Car Insurance Mistakes
Customers are increasingly buying electric cars as they seek cleaner, more technologically advanced cars. This includes the appropriate insurance to protect your investment in an electric car. However, far too many new owners of electric cars make preventable mistakes when choosing coverage. Here are some common electric car insurance mistakes to avoid when purchasing electric car insurance in 2025, as well as some advice to help you make better, more protective choices for yourself and your vehicle.
BEST Car Insurance View can help you find the best Electric car insurance in 2025 by offering expert advice and recommendations.
