Best Electric Vehicle Insurance Plans In 2025

Thinking of going electric in 2025? You may already own an EV and want to make sure it's fully protected. Either way, there's a significant question that every electric vehicle owner faces: What is the best insurance plan for my EV?

With more electric cars on the road than ever, insurance companies are racing to offer better, more tailored plans. But with all those options, how do you choose? Let’s break down the best electric vehicle insurance plans for 2025, highlight the unique features you should watch for, and help you pick a plan that keeps your wheels turning without breaking the bank.

Why Electric Vehicle Insurance Matters More Than You Think

You've probably already realized that owning an electric car is different from driving a traditional one. There's the charging, the lower maintenance, and of course, all those innovative features. However, can your insurance needs be different as well? Quitene repair is more expensive. Think batteries, advanced electronics, and unique bodywork. Additionally, many insurance companies are now offering benefits—such as discounts for green driving and coverage for home charging equipment—that are not available for regular cars.

So, let’s dive into what makes a great electric vehicle insurance plan in 2025.

What To Look For In Electric Vehicle Insurance

Before we get into the top picks, here’s what you should keep an eye out for when comparing plans:

Battery Coverage

The battery is the heart of your EV. Some insurers now offer special coverage for battery repairs or replacements—even outside the manufacturer’s warranty.

Charging Equipment Protection

What happens if your home charger gets damaged in a storm or during a power surge? Good insurance will also cover that.

Roadside Assistance For EVs

Running out of charge isn’t the same as running out of fuel. Some policies now include towing to the nearest charging station, not just any repair shop.

Discounts For Eco-Friendly Driving

Many companies offer rewards for driving electric, including lower premiums, telematics-based discounts, or special loyalty programs.

Coverage For Software And Tech Upgrades

EVs often get software updates that can impact safety. Some insurers are now covering the cost if an update causes a problem.

With that checklist in mind, let's examine the insurance plans that are making headlines this year.

1. Progressive EV Advantage Plan

Progressive is known for innovation, and their EV Advantage Plan stands out in 2025. What makes it special?

Battery & Charger Protection

Both your main battery and your home charging station are covered against accidental damage and power surges.

Exclusive Roadside Assistance

If you run out of charge, they’ll tow you up to 50 miles to the nearest compatible charging point.

Green Car Discount

Save up to 20% if your vehicle qualifies as a zero-emission vehicle.

Flexible Repair Options

Progressive partners with certified EV repair centres for faster service and guaranteed parts.

Who Is It For?

Anyone who wants comprehensive coverage and peace of mind, especially first-time EV owners who wish to have all the basics (and then some) covered.

2. Geico Green Wheels Plan

Geico has leaned heavily into sustainability, and its Green Wheels plan is ideal for drivers seeking to save money while being environmentally conscious.

Affordable Premiums

Known for low rates, Geico offers extra discounts for electric vehicles and multi-policyholders.

Home Charger Reimbursement

Covers the replacement cost if your wall charger is stolen or damaged.

Digital Claims

Everything from filing a claim to tracking repairs can be handled via their easy-to-use app.

Rental Reimbursement

If your EV is in the shop, Geico covers the cost of a rental (even if you prefer to use another electric car).

Who Is It For?

Drivers who want simple, budget-friendly insurance without sacrificing the features modern EVs need.

3. State Farm Drive Electric Plan

State Farm is America’s biggest auto insurer, and their Drive Electric Plan proves they’re not resting on their laurels.

Specialized Repairs

Includes coverage for manufacturer-specific repairs and certified technicians.

Extended Battery Warranty

Adds extra years of coverage on top of your manufacturer’s plan.

EV Trip Interruption

If your EV breaks down while you're away from home, you can get reimbursed for meals and lodging while you wait for repairs.

Bundled Savings

Combine auto and homeowners insurance to unlock extra discounts, especially if you insure your charging station.

Who Is It For?

Families and long-distance drivers who value reliability, 24/7 support, and easy bundling.

4. Allstate EV Smart Protect

Allstate’s EV Smart Protect goes above and beyond for tech-loving EV owners.

Tech Malfunction Coverage

Unique coverage for software failures or issues caused by over-the-air updates.

Cybersecurity Protection

If someone hacks your car’s systems, Allstate helps cover recovery costs.

Mobile Service Coverage

Covers the cost of mobile repairs or diagnostics, so you don’t always have to visit a shop.

Customized Deductibles

Choose a plan that suits your budget, with deductible options starting at $250.

Who Is It For?

Early adopters and tech enthusiasts who want to be sure every high-tech feature of their EV is protected.

5. Travellers Pure Electric Policy

Travellers has crafted a policy just for fully electric vehicles, with perks that make a difference.

Total Battery Replacement

Get complete coverage for battery failure—even for wear and tear after your warranty ends.

Nationwide EV Charging Support

Reimbursement for public charging if you’re stranded away from home.

Coverage For Portable Chargers

Includes theft or damage to portable charging cables and adapters.

Eco-Upgrade Option

If your car is totalled, Travellers helps cover the difference to replace it with a newer, more environmentally friendly model.

Who Is It For?

Owners of premium EVs or anyone who wants next-level support, especially those planning to drive cross-country.

Ready To Hit The Road?

With so many top-tier electric vehicle insurance plans in 2025, there’s never been a better time to drive electric. From battery coverage to roadside perks, you’re sure to find a plan that makes your new ride even more enjoyable. Safe travels!