Joel Font Nadal

US regular gas averaged $4.32 on June 1, and price uncertainty could steer some new-car shoppers toward electric vehicles with insurance planning needed.
Electric cars use the same auto policies as gas vehicles: state-required liability, plus required coverages such as personal injury protection where applicable.
Comprehensive and collision coverage matter when drivers want help repairing or replacing an EV after covered incidents, especially with a lease or loan.
EV insurance can cost more because higher sticker prices, harder-to-source parts, and repair costs may affect premiums, making comparison shopping important for buyers.
Potential savings steps: bundle home and auto, consider a higher deductible if finances allow, and improve credit where insurers can use it.

US EV Insurance Costs Need Smart Shopping

Some online car insurance tips encourage false details about jobs, mileage, or parking, which can turn a simple savings idea into fraud.
Fraud depends on intent and action: knowingly giving false written or verbal information can be prosecuted, even without direct insurer financial loss.
A licensed agent or broker can match coverage to your needs and flag questionable online advice before it creates legal trouble later.
Legal savings start with comparing quotes, asking about discounts, keeping a clean driving record, and updating coverage after major life changes promptly.
Improving credit may also help in most states, because insurers often use credit-based insurance scores when setting car insurance rates for drivers.