Compare the best electric and hybrid car insurance quotes for free.

On average, Canadians save hundreds of dollars per year by comparing quotes with us.

Get 50+ quotes in 3 minutes.

Get 50+ quotes in 3 minutes.

25,921 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

November 8
Agents were kind
Agents were kind , gentle helpful & fast & truthful. Can't really give them anyt...
Allan Mclean
November 7
Friendly
Friendly, compationate and reasonable. Thank you very much.
Hugh Macdonald
November 7
Excellent customer service
Excellent customer service
Ahmed Moktar
November 7
Pleased I looked at their website
Fast, efficient, great advice / recommendations. Well worth the chat.
Sylvia
November 7
Very polite and efficient
Very polite and efficient, got me in contact right away for insurance.quick proc...
John
November 4
The ladies I talked they were very…
The ladies I talked they were very polite and profesional.
Themis Themistocleous
November 4
Fast and easy transaction
Fast and easy transaction
Nelson Deniega
November 1
Good work- Good rate
Good work- Good rate
David Shin
November 1
easy to use and very helpful
easy to use and very helpful
Muhammad Ahsan
October 30
Excellent service
Excellent service! Highly recommend
Kaily Meilleur
October 30
I received a follow up almost…
I received a follow up almost immediately. Very professional customer service.
Tetyana
October 29
Site was easy to use and I recieved a…
Site was easy to use and I recieved a call immediately to assist me further. Ve...
Telma Fletcher
October 26
This is great
This is great, no need to shop around..save time..all I have to do is choose whi...
Marizabel Bildan
October 26
Very quick and easy to use
Very quick and easy to use. Good information produced very quickly.
Brian Hill
October 25
Was perfect
Was perfect
yahya husam
October 25
Gotta quick response. I like the way your team communicated promptly.
Excellently, Promptly dealt.
KHALID MAHMOOD
October 24
Great
Great service
Mike Sooknanan

How comparing auto insurance quotes works. Hint: it’s free!

Compare

Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.

Save

When you find the best quote, secure your rate by talking to a licensed broker or agent.

Learn more about electric car insurance in Canada.

Electric and hybrid vehicles have been rising in popularity for years. Increasing evidence of their positive effects on the climate, along with growing affordability, have driven up demand for these vehicles. But, when it comes to finding the best insurance for your electric or hybrid car, it’s important to consider all your options. That’s where we come in. This page aims to do the following things: teach you about insurance for electric and hybrid vehicles and show you where and how to get it for the best price.

Once you’ve learned all you can about electric and hybrid vehicle insurance, we’ll compare the market for you to help you find the best quotes for insurance on your electric or hybrid vehicle. All you have to do to start a quote with us is enter your postal code into the form above. From there, we’ll compare the best electric car insurance from providers serving your area in under three minutes.

Front view of a car. Illustration.

See how our customers with collision coverage save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from November 09, 2024
Customer
Male, 35 years old
Location
ontario
Vehicle
2021 TESLA MODEL 3 STANDARD RANGE PLUS 50 4DR
Lowest Rate
$227/mth
$2,728/yr
Average Rate
$272/mth
$3,265/yr
Saved
$45/mth
16.45%
Quote from November 09, 2024
Customer
Male, 51 years old
Location
ontario
Vehicle
2022 FORD MUSTANG MACH-E GT 400A 4DR AWD
Lowest Rate
$227/mth
$2,724/yr
Average Rate
$342/mth
$4,103/yr
Saved
$115/mth
33.61%
Quote from November 09, 2024
Customer
Female, 33 years old
Location
ontario
Vehicle
2015 TESLA MODEL S 70D 4DR AWD
Lowest Rate
$124/mth
$1,486/yr
Average Rate
$174/mth
$2,084/yr
Saved
$50/mth
28.69%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

Your questions about electric and hybrid car insurance, answered

What is electric auto insurance?

Insuring an electric vehicle is much like insuring a regular vehicle, but there are a few differences to keep in mind. Because electric vehicles have different machinery than gas-powered vehicles they may also cost more to insure. Electric vehicles are equipped with long-life batteries that can be pricey to repair if they’re damaged in a collision. But, while your eco-friendly car insurance may be more expensive in some ways, some companies and governments offer discounts and rebates for going green. Be sure to check whether you’re eligible for any electric vehicle insurance discounts before making your purchase.

How do I get insurance coverage for an electric car?

When it comes to car insurance, electric vehicles are treated much the same way as gas-powered vehicles. Most car insurance companies offer options for drivers looking to secure an electric car, and like we mentioned above many even offer rebates. Don’t forget to inquire about potential insurance discounts for your hybrid car or electric car when negotiating your policy.

Does insurance for electric cars cost more?

In short, it depends. Not every insurance company will evaluate your electric vehicle the same way and some may offer additional rebates on your car insurance for going green. That’s why it’s so important to compare the market before making a decision. You can do that on LowestRates.ca by entering your postal code in the form above. You’ll then be taken to a window where you can view the cheapest insurance rates for hybrid and electric cars from providers serving your area.

If you’re on the hunt for cheap electric car insurance, you could also try asking your insurance provider whether you’re eligible for any discounts on top of your green rebate. Keep reading to learn about the other discounts you may be able to qualify for.

How can I get a cheap quote on electric car insurance

The most surefire way to find the best rates on your electric car insurance policy is to compare the market. Luckily, you can compare rates for electric car insurance right here on LowestRates.ca by completing a quote using our comparison tool. Once you’ve entered a bit of information about your car and your driving history, you’ll be taken to a new window where you’ll get to select a real quote from companies offering electric car insurance in your area.

What types of car insurance are there?

Even though you’re shopping for insurance for an electric vehicle, you’ll still have the same variety of car insurance types to choose from. See below for a description of all the different types of car insurance available throughout Canada, though not all are required in every province.

No-fault insurance: This is not a type of insurance you can choose to buy but rather a type of regulatory system used to oversee the auto insurance regime. It means that you’re required to go through your insurance company first before filing a lawsuit. However, your insurance company will allow you to file a lawsuit for damages that are not covered by your accident benefits insurance.

Third-party liability insurance: This type of insurance is mandatory across Canada. Liability insurance protects you against damages that you cause while driving. If you damage another vehicle or injure someone while driving, this type of coverage kicks in. This type of insurance is mandatory across Canada.

Accident benefits: This will pay for your medical expenses if you’re injured in an accident. It will include income replacement and any additional care required. This coverage is mandatory for drivers across Canada.

Direct compensation property damage: DCPD covers damage to the structure or the contents of your vehicle. It’s important to note that this coverage only applies in provinces where this type of insurance is mandatory and will only kick in if both drivers hold this type of coverage and you weren’t at fault. This coverage is available in Ontario, Newfoundland and Labrador, Nova Scotia, Prince Edward Island and New Brunswick. It’s mandatory only in Ontario.

Specified Perils insurance: This type of car insurance only protects you against risks you specifically name in your policy. If it isn’t listed, you're not covered. This type of insurance is available across Canada but isn’t mandatory anywhere.

Comprehensive Insurance: This type of insurance is the opposite of specified perils. A comprehensive policy will cover you against all risks, except those specifically named in your policy - even events not related to driving. This type of insurance coverage is available everywhere in Canada but mandatory nowhere.

All-perils insurance: This type of insurance is a combination of specified perils and comprehensive to produce a middle ground, of sorts. All perils coverage protects your home and property against every risk, except those specifically listed in your policy. Whereas, the contents of your home are only protected for risks specifically named in your policy. This type of insurance is available across Canada but isn’t mandatory.

Uninsured motorist coverage: This will protect you in the event of an accident with a driver who does not hold car insurance, or a driver who does not hold sufficient insurance to cover damages. This coverage is mandatory everywhere in Canada except Alberta.

Collision insurance: This coverage protects specifically against damages sustained in a car accident. This insurance kicks in whether you collide with another vehicle or an object. This type of insurance is available everywhere but mandatory only in Manitoba, Newfoundland and Labrador and Saskatchewan.

Finding a great car insurance rate for your EV doesn’t have to be a struggle. Complete a quote today to find the best rates on electric car insurance on the market. Just like that.

Jessica Vomiero

Jessica Vomiero

About the Author

Jessica is the former Associate Editor for LowestRates.ca. Before joining the team, Jessica worked as a National Online Journalist with Globalnews.ca and previously spearheaded the launch of the Business Section at one of Canada's largest technology websites, MobileSyrup.

Read More

Auto insurance news

Read More Like This