Tesla, Chevy Bolt, or a Nissan Leaf?

Are you buying an electric vehicle (EV)? 

 

There are a few things a new electric vehicle (EV) owners needs to consider.

 The electrical parts needed to fix electric vehicles (EVs) are expensive, and as a result, most auto insurance companies have to pay more out of pocket to get the vehicle repaired and back on the road. Complicating things further is the fact that there are not many well-trained EV auto mechanics and they are not well versed in how the electric drive trains work. EV car owners should take their EV to a specialty shop for repairs, and these shops have higher labor costs then traditionally trained auto mechanics. Because of this, insurance carriers charge owners of electric vehicles higher premium rates, but not on all the coverages of a typical auto insurance policy.

 

Collision and comprehensive coverage 

 Collision and comprehensive coverage are the two main coverages that protects the policyholder's owner’s vehicle if it is damaged due to an at-fault accident, a collision with a deer, a fallen tree, weather damage, and more. We now see owners of Evs have higher costs/premiums for collision and comprehensive insurance protection. New Electric vehicle owners can raise their deductibles ($1000) to lower their insurance premiums. This will result in larger out-of-pocket costs in the event of a claim. We might even suggest new EV owners setup an emergency fund to help offset the higher deductibles.

 

Liability to Others

Liability protection, which is what is required by state law, pays for medical costs and repairs for other people and their property if the auto policyholder causes the accident. Auto liability protection has nothing to do with the policyholder's own vehicle; the cost of this coverage is not normally affected by owning an electric vehicle.

 

Factors that affect EV insurance price

The type of car a driver (Electric vs. traditional gas-powered) has is only one of many factors that affects their auto insurance premiums. Auto insurance carriers also look at a driver's accident history, where you live according to the USPS ZIP code, how long you have been with your current insurance carrier, your education level, and your marital status, to assess the probability of a chargeable auto accident. Each insurance company weighs all these factors a little differently.

 

As electric vehicles become more common, the cost of insuring these vehicles will come down and the number of trained mechanics comfortable working and repairing the vehicles will increase. Once we get economies of scale, electric vehicles will not be as expensive to insure.

 

This is why you need to shop your auto insurance every a few years, especially if you are purchasing a new EV.

 

At Dtown Insurance we can help you review your auto coverages and premiums. Our team is available to help you compare auto insurance quotes from several insurance carriers to see which offers the best deal.

 

Remember, price is not everything, good support and service from Dtown Insurance tops any online insurance and 800 number! Contact us for help with your auto and home insurance!


The Motorcyclist’s Guide to Insurance

June 4, 2026
Pennsylvania's Distracted Driving Law Effective June 5, 2026, the penalty is a summary offense with a $50 fine, plus court costs and other fees. Pennsylvania’s hands-free law may be referred to as Paul Miller’s Law. Paul Miller was killed in 2010 when a distracted driver crossed a center grass divider and traveled head-on into Paul’s car. If a driver is convicted of homicide by vehicle and driving while distracted, they may be sentenced up to an additional five years in prison. As a primary offense, drivers can be stopped by police if they have a mobile device in their hand while driving.  The law: Defines an interactive mobile device as a handheld wireless telephone, personal digital assistant, smart phone, portable or mobile computer, or similar device which can be used for voice communication, texting, emailing, browsing the Internet, instant messaging, playing games, taking or transmitting images, recording or broadcasting videos, creating or sharing social media or otherwise sending or receiving electronic data. Defines driving as operating a motor vehicle on a highway, including anytime the motor vehicle is temporarily stationary because of traffic, a traffic control device (e.g., a traffic light or stop sign), or other momentary delay. Defines the use of an interactive mobile device as using at least one hand to hold, or supporting with another part of the body, an interactive mobile device, dialing or answering an interactive mobile device by pressing more than a single button, or reaching for an interactive mobile device that requires a driver to maneuver so that the driver is no longer in a seated driving position, restrained by a seat belt. A driver may use an interactive mobile device if the driver moves the vehicle to the side of or off a highway and halts in a location where the vehicle can safely remain stationary. The hands-free law allows for an emergency use exception if it is necessary to communicate with a law enforcement official or other emergency service to prevent injury to persons or property. Pennsylvania's Texting-While-Driving Ban The law prohibits as a primary offense any driver from using an interactive mobile device to send, read or write a text-based communication while his or her vehicle is in motion. Defines an interactive mobile device as a handheld wireless telephone, personal digital assistant, smart phone, portable or mobile computer or similar device which can be used for voice communication, texting, emailing, browsing the Internet, instant messaging, playing games, taking or transmitting images, recording or broadcasting videos, creating or sharing social media or otherwise sending or receiving electronic data. Defines a text-based communication as a text message, instant message, email or other written communication composed or received on an interactive mobile device. Makes clear that this law supersedes and preempts any local ordinances restricting the use of interactive wireless devices by drivers. " Faces of Distracted Driving " is an online photo series exploring the tragic consequences of texting and cell phone use behind the wheel by sharing the stories of people from across the country who have been injured or lost loved ones in distracted driving crashes. Click here to view "Faces of Distracted Driving." Dtown Insurance agents have many years of experience in auto insurance. Our agents prioritize getting you the right coverage for the best price available. One of the best auto insurance carriers we work is AAA, one of the country’s largest and most reputable insurance carrier in the United States. Call today
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