Auto Insurance for Electric and Hybrid Cars
Get comprehensive auto insurance for electric vehicles with USAA. As more drivers switch to fuel-efficient, eco-friendly cars, our coverage ensures you don’t need specialized insurance for your EV or hybrid.
Our auto insurance provides coverage for electric vehicles. As technology evolves, more drivers are transitioning from gas-powered cars to environmentally friendly, fuel-efficient alternatives. The great news is, you don’t need specialized insurance for these new vehicles.
Electric vehicles are included under USAA Auto Insurance. So, if you own an electric or hybrid car, we offer the coverage you need.
Protection for Your EV Battery
If your EV battery is damaged in a covered event, we’ll help cover the cost of its repair or replacement.
Additionally, if your battery dies and you have towing and labor included in your policy, we’ll tow your vehicle to a nearby repair shop.
Coverage Options for Your EV
Whether you’re looking for basic protection or more extensive coverage, we have plans that cater to your needs.
In case of accidents involving your EV
If you accidentally back into a pole or collide with another vehicle, collision coverage ensures you get the necessary help.
If external factors damage your EV
Certain incidents, like hitting an animal, fire, or flooding, are beyond your control. In such cases, comprehensive coverage will provide assistance.
When someone files a claim against you
If you are responsible for injuring another driver or damaging their property, liability coverage helps protect your assets.
In case of an uninsured driver hitting you
If you're hit by a driver who lacks insurance and cannot cover the costs, uninsured and underinsured motorist coverage will offer protection.
Why Choose USAA for EV Insurance?
Convenient Claims Handling
We are available 24/7 for policy updates and claims through our website and mobile app. Visit the Claims Center
24/7 Roadside Assistance
By adding towing and labor to your policy, you can receive assistance if your EV breaks down or runs out of charge on the road.
Explore roadside assistance
Is Insuring an EV More Expensive?
While driving an EV may save you money on maintenance and fuel, and you might enjoy tax benefits or other incentives, insuring your EV could still cost more. Here’s why:
- Replacement parts for EVs can be pricier than those for gas-powered vehicles.
- Depending on your location, finding repair shops equipped to handle EVs can be more challenging.
Check your cost at USAA
Electric Car Insurance FAQs
Do I need extra liability coverage for my EV?
No, you can purchase the same liability coverage as you would for a gas-powered vehicle.
Will I be reimbursed if I need an EV rental?
You might be eligible for reimbursement if rental reimbursement is included in your policy.
However, while we can't always provide an EV rental, you can select one if it’s available.
Do EV claims take longer to process?
It varies depending on the complexity of the repairs. Additionally, certain EV models may need to be serviced by the original manufacturer.
Is my EV charging equipment covered under my auto or homeowners policy?
USAA Auto Insurance does not cover EV charging equipment. In most cases, this would fall under USAA Homeowners Insurance. Coverage classification depends on how the equipment is installed.
If it's permanently attached or hardwired to your home, it’s likely considered part of the dwelling. If not, it would be considered personal property and would be subject to specific covered risks.
Maximize your membership with the USAA Mobile App.
0 Comments