Affordable Electric Vehicle Insurance

With The Hartford, AARP members can enjoy exclusive car insurance benefits and savings, plus the protection you need to enjoy peace of mind on the road with your electric car.
Author:
Lily DiGregorio
Lily DiGregorio,Staff copywriter
Lily DiGregorio
Staff copywriter specializing in auto and home insurance for The Hartford.
Reviewed By:
Ben Ewbank
Ben Ewbank,Head of Personal Lines State Product and Pricing
Ben Ewbank
Head of Personal Lines State Product and Pricing at The Hartford.
LinkedIn Profile
Updated: 01/12/2026
Read Time: 8 minutes
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Key Takeaways

  • Electric vehicle insurance offers the same protections as a standard car insurance policy from The Hartford, plus more unique offerings for your electric car.
  • With The Hartford, you can take advantage of exclusive car insurance benefits just for being an AARP member to help you save on costs.
  • The cost of auto insurance for electric vehicles will depend on personal factors, like where you live, vehicle type and coverage amounts. On average, The Hartford’s customers pay between $121 and $162 a month for car insurance.2
driver protected by auto insurance for electric vehicles from The Hartford

Save On Auto Insurance Rates for Electric Vehicles With The Hartford

There are many perks of owning a hybrid or electric vehicle, such as:
 
  • Reduced fuel and maintenance costs
  • Innovative technology and safety features
  • Environmental benefits
At The Hartford, we help extend those savings further, offering affordable and customizable electric car insurance options and exclusive benefits and discounts just for AARP members.
 
Don’t have an AARP membership? The Hartford can help you sign up.
 
 

EV Insurance Discounts for AARP Members

AARP® Auto Insurance from The Hartford1 offers benefits and rewards exclusive to members, making us a trusted choice for car insurance for seniors, no matter what vehicle you drive. Electric car insurance discounts you can take advantage of include:

Advance Quote Discount

Quoting in advance of your current policy's expiration date can get you a discount of up to 15%.

Safety Features

Does your EV have safety features like anti-lock brakes or anti-theft devices? If so, you may be eligible to receive a discount.

Safe Driver Training Discounts

You can get a discount on your car insurance for drivers under 21 years old (under 25 in Georgia) who finish an approved training course.

5 Years Clean

The Hartford offers safe driver discounts if you maintain a clean driving record for five years. By driving responsibly, you can save up to 10% on your auto insurance policy.

Payment Discounts

Pay your bill in full instead of making monthly payments, and you will be eligible to receive a discount. Plus, you can save up to 10% just for paying your bill on time.
The Hartford uses state-of-the-art market data on a day-to-day basis, ensuring our policies are accurately priced for electric and hybrid vehicles. We work hard to make sure customers who drive these cars can enjoy a break on their car insurance cost when possible. Often, there are advancements in safety features over time that can lead to price reductions.

How Much Does Electric Car Insurance Cost?

Not all drivers are the same, so how much you’ll pay for electric vehicle insurance will vary based on unique factors like:
 
  • Where you live
  • Driving history
  • Coverage limits
  • Type of electric vehicle you drive
If you opt for less coverage, you could pay a lower car insurance premium, but you may not have enough coverage if you get into an accident, resulting in higher out-of-pocket costs.
Certain factors affect car insurance rates for EVs more than standard vehicles. For example, electric cars are generally more expensive and difficult to repair and more costly to replace, which can lead to higher premiums. That’s why it’s important to get coverage from a carrier that offers savings.
 
As the provider of the only auto insurance endorsed by AARP, The Hartford offers exclusive benefits and discounts just for experienced drivers. Here are the average costs our customers pay for auto insurance by age:3
Age The Hartford Avg. Annual Premium The Hartford Avg. Monthly Premium
50-59 $1,942 $162
60-69 $1,517 $126
70+ $1,450 $121

How Much Can I Save on Electric Car Insurance by Switching to The Hartford?

While there is no one-size-fits-all insurance price, The Hartford offers affordable auto insurance for seniors through discounts, exclusive AARP member perks and customizable coverage options to extend your financial protection at a price that fits your budget.
 
Regardless of vehicle, drivers who switch to AARP Auto Insurance from The Hartford can save an average of $597† on their auto insurance compared to their prior insurance company.
Find out how much you could save if you switch:
For payroll amount:
You could save
$597
on average
Start Quote
 

Customizable Car Insurance for Electric Cars

With The Hartford, you can drive your electric vehicle with confidence knowing you, your passengers and your car are better protected. With AARP Auto Insurance from The Hartford, you can take advantage of:
 
  • Battery replacement: We’ll help cover the cost of a new EV battery replacement if it’s damaged after a covered loss.
  • Software updates: EVs run heavily on software, including engine control and body control modules. If a module needs to be replaced or software upgraded, we’ll help pay for it.
  • Headlights and sunroofs: Some of these parts are specific to electric vehicles. We’ll work directly with the manufacturer to make sure the parts that are unique to your car are being replaced with the exact parts from the same maker.
  • Bumpers: When you have an EV, you're not driving around with a standard bumper. Cameras and sensors are often expensive to repair or replace, but if it’s a covered loss, we’ll help cover the costs.
Bottom Line:
To ensure your vehicle returns to the same pre-loss condition, The Hartford will help repair or replace anything that is part of the vehicle’s original equipment, as long as it’s part of a covered loss.
 

More Car Insurance Coverages

Most states require certain levels of liability coverage. If you have a lease or loan on your electric car, you may be required to have collision and comprehensive coverage. These are the common types of auto insurance coverages you’ll find on most standard policies:

Liability Coverage

There are two types of liability coverages:
  • Bodily injury liability coverage helps pay for medical expenses if you cause an accident that injures another driver.
  • Property damage liability helps cover costs if you damage property that doesn’t belong to you, like someone else’s car or fence.

Comprehensive Coverage

Comprehensive insurance coverage helps cover you when your vehicle is damaged by a non-collision accident. This coverage can help pay to fix your car if it’s damaged by a natural disaster, vandalism or hitting an animal, to name a few examples.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage helps offer financial protection if you’re involved in an accident with a driver who doesn’t have any or enough insurance, or a hit-and-run driver.

Personal Injury Protection

Personal injury protection (PIP) insurance, also known as no-fault insurance, helps pay for losses related to injuries from a car accident, no matter who was at fault, as well as funeral costs and lost wages.

Collision Coverage

Collision insurance coverage helps pay for any repair or replacement costs if your electric vehicle is damaged from a collision with another car or object, like a tree.

Medical Payments Coverage

Medical payments coverage helps provide financial assistance for medical expenses and rehabilitation after an accident.4
 

Car Insurance Coverage Calculator

Debating your policy needs? Our car insurance calculator makes it easy for you to estimate how much car insurance coverage you may want based on where you live and your insurance goals.
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Why Do We Ask This?
States have requirements for how much car insurance coverage drivers must have. The minimum required amount can vary for bodily injury liability, property damage liability and uninsured and underinsured motorist coverage.
Why Do We Ask This?
If you lease or finance your car, the lender or leasing company typically has coverage requirements and may have to be named on the policy.
When It Comes To Insurance, What Matters Most?

Why Do We Ask This?
Everyone has different needs for car insurance. If you want to pay less for coverage, you'll have higher out-of-pocket costs with a claim. If you want the most protection, you'll pay more for coverage but have lower out-of-pocket costs with a claim.

Why Choose The Hartford for Your EV Insurance?

The Hartford has been providing industry-leading customer service for over 200 years. In addition to our flexible policy offerings and exclusive savings opportunities, our representatives can help you compare electric auto insurance coverages and find the best option for you. Whether you’re ready to purchase a new policy or need to make an update to an existing account, we’ll be there every step of the way.
 
If you need to make a car insurance claim for your EV, The Hartford is here to make the process as stress-free as possible. Our claim representatives are available to help 24/7. It’s why policyholders consistently give us high ratings. But don’t just take our word for it - read our customer reviews:
quote 1
“An incident tore part of my bumper and fender. I contacted The Hartford and they were very helpful in taking the claim over the phone and provided details on the process. The entire claim experience was really great.”
 
Anthony “The Hybrid Car”
review 1
quote 2
“I had some damage to my electrical system and couldn't use my car until they got a backordered part. The Hartford worked with me and the dealer to resolve the situation.”
 
Michael
review 2
quote 3
“The Hartford contacted me the same day I reported the claim and kept me informed as things went along. They also explained what coverage I had.”
 
Joanne
review 3
quote 2
“It was very upsetting when I realized my vehicle had been hit. When I contacted The Hartford, my claim was handled with care from beginning to end. The repair company that was recommended by The Hartford did an outstanding job!”
 
Marvin
review 2
quote 2
“The experience was pleasant and prompt. Since this was my first claim, I was pleased with the procedure. It builds confidence when your initial experience is positive.”
 
Yvette
review 2
quote 3
“Excellent and very easy! The claim adjuster communicated with my service folks as well as with me. Made the experience seamless.  The Hartford is a very wonderful insurance company.”
 
Gail
review 6

Frequently Asked Questions About Insurance for Electric Cars

While the cost for electric vehicle insurance is based on many personal factors, like your location or driving history, The Hartford’s customers pay between $121 and $162 a month for car insurance on average.5
It may cost more to insure an electric vehicle, as they can be more expensive and complex to repair or replace. However, insurance costs are complex and based on individual factors.
 
Do hybrids cost more to insure than EVs? The answer also depends. For example, when comparing EV insurance versus gas, a high-end hybrid or even fully gas truck or SUV could cost more than an electric vehicle to insure, depending on the year, make, model or coverages.
The Chevy Bolt, Volkswagen ID.4 and Hyundai Ioniq are typically the least expensive cars to insure, per the most recent cost figures.6
According to the latest data, Teslas are among the most expensive EVs to insure, with the Model S being the priciest. Also high on the list is the Porsche Taycan.7
No, AARP as a company doesn’t provide car insurance at all, let alone for electric vehicles. Instead, The Hartford offers the only car insurance endorsed by AARP and has been exclusively helping to protect AARP members’ electric vehicles for over 40 years.
To get a car insurance quote from The Hartford for your electric vehicle, you’ll need to provide:
 
  • Basic personal details, like your name, address and date of birth.
  • Vehicle information,* like make, model and ownership status.
  • Details about any additional drivers.
  • Information about your current auto insurance policy.
* Tip: Knowing your vehicle identification number (VIN) will get you the most accurate price.
When comparing policies, deciding which insurance is best for EVs will depend on what your insurance goals are. When you’re looking into multiple car insurance quotes, make sure your coverages and deductibles are the same. That way, you’re comparing options equally and can feel confident you’re selecting the coverage you need to enjoy peace of mind on the road. If you’re not sure how much protection you should have or what coverage limitations may apply, we’ve created a car insurance calculator to help you decide.
 
Remember to also pay attention to any discounts you may be eligible for when shopping for electric car insurance quotes or any special features the carrier may provide.

Related Articles

 
 
2,3,5 Auto insurance rates by age range from 9/1/22 to 8/31/23.
 
4 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
 
6,7 MoneyGeek, “Insuring an Electric Vehicle”
** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Auto Insurance
Quick Links
FAQs
For AARP® Members
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. The Hartford does not write new Home business in all areas, including the states of CA and FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.