Owning an electric vehicle (EV) comes with many advantages, including eco-friendliness, lower fuel costs, and fewer maintenance needs. However, when it comes to insuring your EV, it’s important to find the right insurance coverage that meets your needs. If you're an electric vehicle owner with a clean driving record, you may qualify for discounts or more favorable premiums.
In this article, we'll explore some of the best car insurance options for electric vehicle owners with clean records in 2025, highlighting key factors such as coverage options, premiums, discounts, and the pros and cons of each provider.
1. Progressive
Overview:
Progressive is one of the largest and most popular auto insurance companies in the USA. They offer tailored policies for electric vehicle (EV) owners, including those with clean driving records. Progressive has a reputation for providing affordable insurance with a wide range of coverage options.
Coverage Options:
Comprehensive Coverage: Protects against damage to your vehicle from events other than a collision, such as theft, vandalism, and weather damage.
Collision Coverage: Pays for repairs or replacement of your EV if you’re involved in an accident.
Liability Insurance: Covers bodily injury and property damage to others if you’re at fault in an accident.
Uninsured/Underinsured Motorist Coverage: Protects you if you're in an accident with someone who doesn’t have adequate insurance.
Custom Parts and Equipment: Coverage for modifications or upgrades made to your EV, such as additional tech or charging equipment.
Discounts:
Clean Driving Record Discount: Drivers with a clean driving record can earn significant savings.
Multi-policy Discount: Save by bundling auto insurance with other policies like homeowners or renters insurance.
EV Discount: Progressive offers discounts for insuring electric vehicles.
Paperless and Auto-Pay Discount: Save if you choose to manage your policy and make payments electronically.
Pros:
Wide range of customizable coverage options.
Special discounts for electric vehicle owners.
24/7 claims support and a large network of repair shops.
Cons:
Rates can be higher for newer EV models.
Premiums can increase after the first policy year, depending on driving habits.
How to Apply:
You can get a quote and apply for coverage online through Progressive’s website.
2. Geico
Overview:
Geico is known for offering competitive rates and excellent customer service. They provide tailored coverage for electric vehicles and offer discounts for those with a clean driving record. Geico also offers several tools to help EV owners track their driving habits and save money on premiums.
Coverage Options:
Collision and Comprehensive Coverage: Covers damage to your EV in the event of an accident or other non-collision events like fire or vandalism.
Liability Insurance: Protects you in case you are at fault in an accident, covering medical expenses and property damage to others.
Roadside Assistance: Includes battery jump-starts, flat tire assistance, and towing services, which can be particularly useful for EVs.
Mechanical Breakdown Insurance: Covers certain mechanical repairs for electric vehicles, a feature that is less common in standard policies.
Discounts:
Clean Driving Record Discount: Significant savings for drivers with a clean record.
EV Discount: Geico offers discounts for electric vehicle owners.
Multi-car and Multi-policy Discount: Save when you bundle multiple vehicles or other insurance policies.
Federal Employee Discount: Special savings for federal employees.
Pros:
Affordable premiums, especially for drivers with a clean record.
Additional coverage options for EV owners.
Excellent customer service and claims handling.
Cons:
Geico’s coverage options may not be as extensive as some other insurers.
Some customers report that the claims process can take longer than expected.
How to Apply:
You can get an online quote or speak with an agent through the Geico website.
3. Allstate
Overview:
Allstate is a leading car insurance provider that offers tailored coverage for electric vehicle owners. Allstate provides competitive rates, especially for those with a clean driving record, and includes additional benefits for EV owners such as unique repair services and sustainable car insurance options.
Coverage Options:
Collision and Comprehensive Coverage: Protects your EV from accidents and other incidents such as theft, vandalism, and weather damage.
Liability Insurance: Covers bodily injury and property damage if you are at fault in an accident.
New Car Replacement: In the event your EV is totaled, Allstate offers a replacement with a new car of the same make and model.
Custom Equipment Coverage: Covers customizations made to your vehicle, such as modifications to the electric system or advanced tech.
Discounts:
Clean Driving Record Discount: Drivers with a clean driving record enjoy reduced premiums.
Electric Vehicle Discount: Additional savings for electric vehicle owners.
Drivewise Program: A usage-based program that tracks your driving behavior and offers discounts based on safe driving habits.
Multi-policy Discount: Save by bundling auto and home insurance policies.
Pros:
Excellent coverage options tailored to EV owners.
Unique sustainable insurance options for environmentally conscious drivers.
Strong customer service and nationwide network of agents.
Cons:
Higher premiums for newer EV models.
Claims process can take time, depending on the area.
How to Apply:
You can get a quote online through Allstate’s website or by calling one of their agents.
4. State Farm
Overview:
State Farm is one of the largest insurance companies in the United States, offering competitive rates and extensive coverage options for electric vehicle owners. State Farm is known for its customer-first approach and offers discounts for drivers with a clean driving record and those who drive electric vehicles.
Coverage Options:
Collision and Comprehensive Coverage: Covers the repair or replacement of your EV in the event of an accident or damage caused by theft, vandalism, or natural disasters.
Liability Insurance: Covers injury and property damage to others in accidents where you are at fault.
Roadside Assistance: Offers EV-specific roadside assistance, such as help with recharging or flat tires.
Rideshare Coverage: If you use your EV for ridesharing services like Uber or Lyft, State Farm provides specific coverage options.
Discounts:
Clean Driving Record Discount: Substantial savings for drivers with a clean driving history.
EV Discount: Discounts for electric vehicle owners.
Multi-policy Discount: Savings for bundling multiple types of insurance, such as auto and home.
Drive Safe & Save: A program that tracks your driving and rewards safe habits with discounts.
Pros:
Wide range of coverage options for electric vehicle owners.
Excellent reputation for customer service.
Nationwide availability and a large network of agents.
Cons:
Higher premiums for luxury or high-end EV models.
Limited online resources compared to some competitors.
How to Apply:
Get a quote online or speak to an agent on State Farm’s website.
5. Nationwide
Overview:
Nationwide offers a variety of coverage options for electric vehicle owners, providing an excellent balance between cost and comprehensive coverage. Nationwide’s policies are designed to protect EVs from a wide range of incidents, including collisions, theft, and weather damage.
Coverage Options:
Collision and Comprehensive Coverage: Covers repair or replacement costs if your EV is damaged due to accidents or non-collision events like fire or vandalism.
Liability Insurance: Covers bodily injury and property damage caused to others in an accident where you are at fault.
Roadside Assistance: Nationwide provides specialized roadside assistance for electric vehicles, including charging help and flat tire service.
Custom Equipment Coverage: Covers modifications made to your EV, such as custom charging equipment or tech enhancements.
Discounts:
Clean Driving Record Discount: Drivers with a clean driving record are eligible for significant savings.
EV Discount: Save on premiums by insuring an electric vehicle.
Multi-policy Discount: Save on premiums by bundling auto with home or renters insurance.
SmartRide Program: Offers discounts based on safe driving behaviors tracked via a mobile app.
Pros:
Comprehensive and tailored coverage for electric vehicles.
Specialized roadside assistance for EV owners.
A variety of discounts for clean drivers and electric vehicle owners.
Cons:
Higher premiums for high-end EV models.
Limited availability in some regions.
How to Apply:
Get a quote and apply directly through Nationwide’s website.
Conclusion
In 2025, there are several excellent options for electric vehicle owners with clean driving records looking for car insurance. Progressive, Geico, Allstate, State Farm, and Nationwide are some of the top providers offering comprehensive coverage, discounts for EV owners, and competitive premiums for drivers with clean records. Be sure to compare coverage options, premiums, and discounts to find the best policy for your needs.