mobile domain:mobile.usaa.com
Skip to Content

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 note 1

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 at renewal with our safe driving program, USAA SafePilot®.‍ ‍ See note 2

Learn about SafePilot

More savings and discounts you could qualify for

Explore ways to save on your auto insurance with available savings and discounts.

  • Bundle and save‍ ‍ See note 3

  • New vehicle discount‍ ‍ See note 4

  • Multiple vehicles discount‍ ‍ See note 4

  • Good student discount‍ ‍ See note 4

  • Automatic payments discount‍ ‍ See note 4

  • Military on-base discount‍ ‍ See note 5

  • Storage discount‍ ‍ See note 6

  • MyUSAA Legacy Discount‍ ‍ See note 7

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 note 8

Add roadside assistance 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

Electric car insurance FAQ

Not necessarily. You can buy the same amount of liability coverage you would for a gas-powered vehicle.

You could if you’re renting it for a covered loss, and you’ve added rental reimbursement to your policy.‍ ‍ See note 9

We can’t always match you with an EV rental, but you can select it if it’s available.

It depends on the complexity of the repairs. Also, some EV models need to be repaired by the original manufacturer.

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.

Related footnotes:

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

Related footnotes:

  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.

  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 USAA SafePilot to receive discount. This program is only available in select states. Program availability and state restrictions apply. Smartphone and download of the USAA DriveSafe™ 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 (Opens in New Window) for more information.

  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.

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

  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.

  6. Storage Discount is not available in 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.

  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.

  8. USAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Agero Services Corp. 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.

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

Related footnotes:

  1. 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.

  2. Membership eligibility and product restrictions apply and are subject to change.

  3. 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 EU DAC (Europe), and USAA S.A. UK Branch (pending cancellation to align with the pending branch authorization application) 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.

5932533