Is insurance more expensive for an electric car?

It can be. EVs sometimes cost more to insure because of higher purchase prices, specialized repair needs and the cost of battery-related damage, but rates depend on the specific model, your driving record, location and insurer. Some insurers offer discounts for EVs or advanced safety features. Get quotes for the exact vehicles you are considering before you buy. Insurance claim and loss data from organizations such as IIHS can also show how specific models compare.