Electric Car Insurance for EVs

Our auto insurance covers electric vehicles.

As technology advances, more drivers are passing over gas-powered vehicles for environmentally friendly, fuel-efficient alternatives. The good news is that these drivers don't need special insurance for their new cars.

Electric vehicles are covered by USAA Auto Insurance. So, if you drive an EV or hybrid, we've got the coverage you need.

Protection for your EV battery

If your EV battery gets damaged in a covered event, we'll help pay for the battery replacement or repair.

If you have towing and labor on your policy, we'll tow you to a nearby repair shop if your battery dies.^{See note1}

Coverage options to fit your EV needs

Whether you want basic coverage or more protection, we have options for you.

You damage your EV in an accident.

If you back into a pole or collide with another vehicle while driving, get the help you need with collision coverage.
Something else damages your EV.

Some things are out of your control. If your vehicle gets damaged from an incident like hitting an animal, fire or flooding, get help with comprehensive coverage.
Someone files a claim against you.

If you hit and injure another driver, you could be responsible for their medical bills and property damage. Help protect your assets with liability coverage.
A driver with no insurance hits you.

If a driver damages your car or injures you and can't cover the expenses, you'll benefit from having uninsured and underinsured motorist coverage.

Discounts for safe driving

If you live in an eligible state, you could get up to 30% off your auto premium with our safe driving program, USAA SafePilot®.^{See note2}

Learn about SafePilot

More discounts you could qualify for

Explore ways to save on your auto insurance with possible discounts.

Bundle and save discount^{See note3}
Good student discount^{See note4}
New vehicle discount^{See note4}
Military on-base discount^{See note5}

Multiple vehicles discount^{See note4}
Storage discount^{See note6}

Automatic payments discount^{See note4}
MyUSAA Legacy Discount^{See note7}

Why choose USAA for EV insurance?

Easy Claims Handling

We're available 24/7 for policy updates and claims through usaa.com and our mobile app.

Visit Claims Center
24/7 Roadside Assistance^{See note8}

Add towing and labor to your policy to get help if your EV runs out of charge or breaks down on the side of the road.

Explore roadside assistance

Does insurance for an EV cost more?

Driving an EV can save you money on maintenance and fuel. Plus, you might benefit from tax credits and other incentives.

But insuring your EV could be more expensive. Here are a couple reasons why.

Replacement parts can be more expensive than similar parts in gas-powered vehicles.
Mechanics or repair shops equipped to fix an EV can be harder to find, depending on where you live.

Find out your cost

Electric car insurance FAQ

Expand all

Do I need more liability coverage if I own an EV?

Will I get reimbursed if I need a rental and choose an EV?

Do EV claims take longer?

Is my charging equipment covered by my auto or homeowners policy?

USAA Auto Insurance doesn't cover EV charging equipment. In most cases, it's covered by USAA Homeowners Insurance. Whether it's considered dwelling or personal property depends on how the equipment is attached to the home.

If it's hardwired or permanently attached, it's likely considered part of the dwelling. If it's not hardwired, then it's considered personal property and is subject to certain perils.

IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Note 1 Towing and labor coverage may be available at an additional premium and applies only to your covered vehicle. $100 limit in North Carolina. Restrictions may apply.

Note 2 The USAA SafePilot program is an optional discount program available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in SafePilot to receive discount. This program is only available in select states. Program availability and state restrictions apply. Smartphone and download of the USAA SafePilot® App required.

Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days. Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount may vary by state and over the life of the policy.

Review the Program Terms and Conditions for more information.

Note 3 Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.

Note 4 Discounts may not be available in all locations and are subject to change, other restrictions may apply.

Note 5 This is a reduction in your comprehensive coverage premium only, except in California, where this is also a reduction to your collision coverage premium. Not available in New York. Other restrictions apply.

Note 6 Storage Discount is not available in Hawaii, North Carolina and Virginia. To qualify for the discount, the vehicle must not be driven and must be stored in a secure location. Other restrictions may apply.

Note 7 To be eligible for this discount, the former dependent must have established eligibility through a USAA group sponsor's policy and be less than 25 years old. Additional requirements may apply. Not available in all locations.

Note 8 USAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Cross Country Motor Club, Inc., Medford, MA 02155, except in AK, CA, HI, OR, WI and WY, where services are provided through Cross Country Motor Club of California, Inc., Thousand Oaks, CA 91360. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.

Note 9 Rental Reimbursement and Transportation Expenses are additional coverages and require additional premium. Restrictions apply.

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.

Coverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.

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