The 10 States Where Car Insurance for EVs is much higher

By Sam Stebbins  •  May 13, 2026
A sleek white electric car cruising on a sunny highway in Abu Dhabi, UAE.
Photo by Saksham Vikram on Pexels

According to a 2025 report published by Insurify, an insurance cost analysis company, EVs cost about 49% more to insure, on average, than their gas-powered counterparts. According to the study, EV drivers make an average of $4,058 in auto insurance payments annually, compared to an average of $2,732 for Americans driving internal combustion engine (ICE) vehicles.

The degree to which average insurance payments for EVs exceed insurance costs for ICE vehicles varies considerably from state-to-state. In many parts of the country, EV owners are paying well over 60% more for insurance than those driving traditional gas-powered vehicles.

Using data from Insurify, Climate Crisis 247 identified the states where EV owners pay the most for car insurance. States are ranked on the relative difference in average annual insurance costs between EVs and traditional ICE vehicles.

According to Insurify, variations in average insurance payments for EV owners between the states are due to several factors. Environmental and social considerations, like potential exposure to natural disasters or high crime rates, can drive up insurance costs for all drivers. Additionally, in places where Americans have been slower to adopt EVs, insurers have less experience in estimating how much a given claim will cost, and as a result, they often charge higher prices for EV owners to reduce risk to the company.

10. Florida

  • EV versus comparable gas-vehicle insurance costs: 65.7% more expensive (+$2,094)
  • Average annual EV insurance cost: $5,283
  • Average annual gas-vehicle insurance cost: $3,189

9. New Mexico

  • EV versus comparable gas-vehicle insurance costs: 69.9% more expensive (+$1,480)
  • Average annual EV insurance cost: $3,597
  • Average annual gas-vehicle insurance cost: $2,117
a car driving down a road in the middle of the desert
Photo by Nils Huenerfuerst on Unsplash

8. Nevada

  • EV versus comparable gas-vehicle insurance costs: 70.2% more expensive (+$2,388)
  • Average annual EV insurance cost: $5,791
  • Average annual gas-vehicle insurance cost: $3,403

7. Indiana

  • EV versus comparable gas-vehicle insurance costs: 70.8% more expensive (+$1,459)
  • Average annual EV insurance cost: $3,520
  • Average annual gas-vehicle insurance cost: $2,061

6. Louisiana

  • EV versus comparable gas-vehicle insurance costs: 72.4% more expensive (+$2,182)
  • Average annual EV insurance cost: $5,197
  • Average annual gas-vehicle insurance cost: $3,015

5. Delaware

  • EV versus comparable gas-vehicle insurance costs: 76.4% more expensive (+$2,530)
  • Average annual EV insurance cost: $5,840
  • Average annual gas-vehicle insurance cost: $3,310

4. Iowa

  • EV versus comparable gas-vehicle insurance costs: 87.1% more expensive (+$1,561)
  • Average annual EV insurance cost: $3,354
  • Average annual gas-vehicle insurance cost: $1,793

3. Idaho

  • EV versus comparable gas-vehicle insurance costs: 95.1% more expensive (+$1,624)
  • Average annual EV insurance cost: $3,332
  • Average annual gas-vehicle insurance cost: $1,708

2. Pennsylvania

  • EV versus comparable gas-vehicle insurance costs: 98.7% more expensive (+$2,284)
  • Average annual EV insurance cost: $4,598
  • Average annual gas-vehicle insurance cost: $2,314
  1. Arkansas
  • EV versus comparable gas-vehicle insurance costs: 99.5% more expensive (+$2,402)
  • Average annual EV insurance cost: $4,817
  • Average annual gas-vehicle insurance cost: $2,415


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