If you are looking to save on insurance for your green vehicle, the best discounts for hybrid and electric vehicles are offered by USAA, Nationwide, and Travelers.

Most auto insurance companies refer to this discount as a green vehicle discount. To qualify, customers must have a vehicle that is electric or hybrid.

Some companies will only offer the green vehicle discount to electric vehicles, while others offer it to both hybrid and electric car owners.

Company	Rank	A.M. Best	Green Discount	Eligible Vehicles
	#1	A++	10%	Hybrid and electric vehicles
	#2	A+	10%	Hybrid, fuel cell, and natural gas vehicles
	#3	A++	10%	Fully electric vehicles
	#4	A	8%	Hybrid, plug-in hybrid, and E85 flex-fuel vehicles
	#5	A	8%	Electric, hydrogen, and solar-powered vehicles
	#6	A+	7%	Hybrid, compressed natural gas, and ethanol vehicles
	#7	A++	5%	Electric, liquefied petroleum gas, and mild hybrid vehicles
	#8	A+	5%	Hybrid, electric, and clean diesel vehicles
	#9	A++	5%	Hydrogen, plug-in hybrid, and solar-powered vehicles
	#10	A	5%	Hybrid, electric, and alternative fuel vehicles

Continue reading to learn how to score a discount for your eco-friendly car when buying the best car insurance for hybrid vehicles or electric vehicles.

To find affordable auto insurance for your green vehicle today, use our free quote tool to get quotes and find the best insurance for hybrid cars and electric cars.

What You Should Know

• USAA has a 10% discount for owners of electric or hybrid vehicles
• Because electric and hybrid vehicles are expensive, rates can be higher
• Ask your provider if they offer a discount for your eco-friendly ride

How to Get an Electric or Hybrid Car Discount

Several insurance companies now offer discounts for electric or hybrid cars on car insurance premiums, as these cars are more environmentally friendly.

Electric and hybrid cars contribute to a cleaner environment by producing fewer carbon emissions, which helps improve air quality.

Companies may offer discounts for both electric and hybrid vehicles or just electric car discounts.

Several companies only offer a green vehicle discount to electric cars, such as Travelers, Lemonade, or Mercury Insurance.

If you own an electric or hybrid vehicle and your company offers a green vehicle discount, your insurance company should automatically apply the discount to your policy.

Learn More: 6 Hacks to Save Money on Your Car Insurance Rates

If you qualify for the green car discount and it hasn't been applied to your policy, call your insurance company to ask for assistance.

Cost of Electric and Hybrid Car Insurance

Why are EVs so expensive to insure?? It is partly due to the expense of buying these vehicles, which drives up the cost of repairs and replacements. Even the cheapest electric car lease may be higher than a regular gas run vehicle.

Take a look at average rates below to see the average hybrid car insurance cost.

Some of the more expensive companies for an eco-friendly vehicle include Allstate and Liberty Mutual.

Electric and hybrid vehicles can be more expensive to insure when you compare insurance for electric cars vs. gas or insurance for hybrid cars vs. gas, but discounts can help keep EV car insurance rates affordable.

Make sure to consider the overall affordability of an insurance company before the green vehicle discount is applied. A large discount may not reduce rates as much as expected if the company has pricy coverage.

If you're looking to go green with your vehicle, shop around at more affordable companies.

Best Companies for Electric and Hybrid Car Discounts

Now that you have an idea of which companies are more expensive for green vehicles, take a look at how much an electric or hybrid discount can save you on car insurance at the best companies for electric and hybrid car insurance discounts.

Insurance Company	Before Discount	After Discount
	$117	$109
	$104	$99
	$121	$111
	$117	$111
	$125	$115
	$115	$104
	$113	$107
	$108	$103
	$125	$113
	$100	$90

We found several auto insurance companies that offer great discounts for electric and hybrid vehicles, from Geico EV insurance to American Family Insurance.

Other Savings on Hybrid and Electric Car Insurance

Along with specific auto insurance discounts for electric and hybrid cars, there are several other ways to save on your coverage. First, see if there are any other discounts you can qualify for with your electric or hybrid vehicle.

For example, most electric and hybrid vehicles will qualify for a safety feature discount.

In addition to checking for other discounts for your hybrid or electric vehicle, consider the following:

• Increase Deductibles: Raising your insurance deductible to an amount you feel comfortable with will reduce rates.
• Bundling Policies: Most companies offer a large discount if you buy both home and auto coverage.
• Telematics Programs: Some insurance companies have driver safety programs that award good drivers with a large discount.

By taking advantage of telematics programs, bundling policies, and more, you can work to reduce your costs beyond just green vehicle-specific discounts.

It's also worth noting that when buying an electric car, you may be eligible for electric or hybrid car tax breaks. Qualifying new electric vehicles can earn you $7,500 in tax credit. Make sure to ask your dealer about this if you are buying an electric car.

Securing a Discount for Your Electric or Hybrid Car

If you are an eco-friendly driver with a hybrid or electric car, call your insurance company to see if they offer one of the best discounts for hybrid and electric cars. It's one of the top ways customers save money on car insurance, and discounts should be automatically applied to your premium if offered by your insurance company.

If your company doesn't offer a discount for drivers going green with electric or hybrid vehicles, this doesn't mean you can't save. Get free insurance quotes for electric cars to find the best insurance for electric cars.