Comparing car insurance for an EV isn’t as simple as ticking a box. Premiums can run higher than for petrol cars, and the fine print matters: some policies bundle in battery and charger cover, others cap it or exclude thermal runaway; a few have strong EV repair networks and roadside rescue, while many don’t. If you’re weighing value against price—and trying to avoid nasty gaps around wall‑box chargers, cables, or high‑voltage repairs—you need more than a generic “comprehensive” label.
This guide rounds up nine of the best EV insurers in Australia, from big brands to brokered options. For each, you’ll see what makes it stand out, who it suits (from city commuters to rideshare drivers and fleets), the EV‑specific protections to look for (battery and thermal runaway, charging gear, choice of EV‑certified repairer, roadside and hire‑car), and practical ways to cut the cost (price‑beat moves, higher excess, low‑kilometre or telematics discounts, multi‑policy bundles). Ready to find the right fit for your car and budget? Let’s get into the short list.
1. National Cover – price-beat EV cover and brokered choice
If you want sharp premiums without sacrificing EV-specific protection, National Cover brings brokered choice and a written Price‑Beat Guarantee to the table. It’s a motor‑only specialist with 365‑day support and a claims process built around fast assessments, EV‑qualified repairers and a lifetime repair warranty.
What makes it stand out for EVs
National Cover focuses on vehicle insurance, so EV nuances aren’t an afterthought. You get practical protections plus hands‑on help at claim time.
- Price‑Beat Guarantee: Show a like‑for‑like quote and they’ll beat it.
- Motor specialist: Policies built around real EV risks and repair methods.
- 365‑day help + streamlined claims: Guidance from accident to repair.
- Lifetime repair warranty: On approved repairs via their network.
Who it’s best for
Ideal if you’re price‑sensitive but still want EV‑specific cover and service.
- Private EV owners wanting value and strong charger/battery cover.
- Rideshare, courier and fleets needing tailored usage and repair access.
- Drivers switching mid‑term who want help with pro‑rata refunds.
EV-specific cover to check
Before you buy, confirm these EV must‑haves in your quote and PDS.
- Battery, cables and wall‑box: Treated as standard components.
- Thermal runaway/battery fire: Covered even if source is unclear.
- 24/7 towing: Australia‑wide to EV‑certified repairers.
- Preferred repairer perks: Excess discount when you use one.
- Not‑at‑fault hire car: Replacement vehicle while yours is off the road.
Pricing and savings tips
Lock in the [best electric vehicle insurance price](https://nationalcover.com.au/electric-vehicle-insurance-quotes/) with a few simple moves.
- Trigger the Price‑Beat: Send any competitor’s like‑for‑like quote.
- Switch early, don’t pay twice: They can help secure your pro‑rata refund.
- Dial in risk factors: Confirm secure overnight parking and realistic annual kilometres.
- Lower public fast‑charging exposure: If most charging is at home, tell them.
- Use a preferred repairer: Pocket the excess discount and faster cycle times.
Conditions, limits and exclusions apply—always read the PDS to confirm inclusions and caps for your vehicle and usage.
2. Allianz – big-brand comprehensive EV cover
If you want a household name with EV details baked in, Allianz is a strong contender for best electric vehicle insurance. Its Comprehensive Car Insurance explicitly covers EV batteries, charging cables and wall chargers, and includes protection for fires caused by battery thermal runaway. You also get access to EV‑certified repairers, with the option to choose your own.
What makes it stand out for EVs
Allianz brings scale, clarity and EV know‑how, backed by the global Allianz Group’s automotive research.
- Battery and charger cover included: Batteries, charging cables and wall chargers are covered.
- Thermal runaway cover: Fires caused by battery thermal runaway are included.
- EV repairer network: Access EV‑certified repairers, or choose your own at no extra cost (conditions apply).
- Repair confidence: Tesla authorised repairers can access Tesla systems and official repair methods.
- Proven experience: Allianz reports a 4.4/5 claims rating for Comprehensive over the last year.
- 24/7 roadside available: Allianz Roadside Assistance is offered Australia‑wide (limits and T&Cs apply).
Who it’s best for
Drivers who want big‑brand backing and clear EV inclusions.
- New and used EV owners wanting battery and charger protection as standard.
- Tesla drivers seeking repairers trained on high‑voltage systems.
- Homeowners with wall‑box chargers who want at‑home charger cover.
- Businesses needing cover for EV commercial vehicles.
EV-specific cover to check
Confirm these inclusions and any limits in your PDS before you buy.
- Battery, cables and wall‑box cover (including at home).
- Thermal runaway and battery fire protection.
- Choice of repairer with EV‑certified options (and when a second quote is required).
- Glass and sunroof: Glass sunroofs are covered; optional windscreen cover can waive excess for one replacement and/or two repairs per policy period (excess waiver doesn’t apply if frame/electrics are also damaged).
- Roadside assistance availability and limits if you add it.
Pricing and savings tips
Allianz calculates premiums using factors like driver profile, vehicle and where it’s parked. To keep costs sharp:
- Quote accurately: Declare secure overnight garaging if applicable.
- Right-size extras: Only add options you’ll use (e.g., roadside) to avoid overpaying.
- Compare excess options: Review the excess choices shown at quote time to see their impact on price.
- Choose certified repairers: Streamlined repairs can reduce downtime and incidental costs.
Terms, conditions, limits and exclusions apply—always read the Product Disclosure Statement for details relevant to your car and usage.
3. Youi – personalised pricing and charger cover
Youi leans into real conversation over cookie‑cutter forms, which can pay off for EV owners whose risk profile is shaped by secure garaging, low annual kilometres and how often they fast‑charge. A short phone interview helps translate those nuances into sharper pricing, while key EV protections are built into comprehensive cover.
What makes it stand out for EVs
Rather than guessing, Youi asks how you actually use your car—useful when two identical EVs carry very different risk.
- Interview‑driven pricing: Short call to factor in garaging, commute and usage.
- Built‑in EV events: Cover for battery fire and thermal runaway included.
- Charger and cable cover: Accidental damage to chargers/cables up to $2,000.
- Payment flexibility: Monthly or annual, with no penalty for paying out early.
Who it’s best for
If your habits are better than the average, Youi’s personalised approach can surface real savings.
- Low‑kilometre, garage‑parked owners (often under 12,000 km/year).
- Regional drivers with secure off‑street parking.
- Households that can bundle policies at one address.
EV-specific cover to check
Confirm the inclusions and limits in your quote and PDS so you know the gaps are closed.
- Battery fire/thermal runaway events are covered.
- Chargers and cables accidental damage limit (typically up to $2,000).
- Excesses that may apply based on driver age or claims history.
Pricing and savings tips
Go into the quote call with facts that help you look like the lower‑risk driver you are.
- Prep your numbers: Annual kilometres, parking security, and charging split (home vs public).
- Highlight home charging: Lower public fast‑charging exposure can help pricing.
- Bundle and save: Add a Youi home or contents policy at the same address for a straight 10% off both premiums.
- Choose billing smartly: Opt for annual if you can; there’s no penalty for paying out early.
As always, terms, limits and exclusions apply—read the PDS to confirm what’s covered for your model and usage.
4. RACV – member value and Chargefox perks (VIC)
For Victorian EV owners, RACV pairs everyday insurance needs with member benefits that can stretch your dollar further. Beyond comprehensive cover, the RACV ecosystem (roads, rewards and partner perks) can translate into real savings on charging and motoring—especially if you already tap into RACV membership offers and local repair networks.
What makes it stand out for EVs
RACV’s strength is member value layered over practical cover and support for Victorians.
- Member rewards with charging perks: Earn and use RACV member benefits with partners, including Chargefox credits and offers.
- Local support footprint: Victorian‑wide assistance and towing to get you to an EV‑capable repairer quickly.
- Roadside know‑how: EV‑appropriate recovery through RACV’s established assistance channels.
Who it’s best for
RACV tends to shine if you live—and drive—mostly in Victoria.
- VIC drivers who already hold RACV membership and want to stack rewards.
- Families and multi‑policy households keen on bundling for sharper pricing.
- Regional drivers who value responsive towing and wildlife incident support.
EV-specific cover to check
Confirm these in your quote and PDS so the key EV risks are properly covered.
- Battery, cables and wall‑box protection (accidental damage, fire, theft).
- Thermal runaway/battery fire inclusion and any limits.
- Towing to an EV‑qualified repairer and any kilometre caps.
- Roadside assistance specifics for out‑of‑charge or high‑voltage safety.
- Glass/sunroof options if your EV has panoramic glass.
Pricing and savings tips
A few smart moves can help you land one of the best electric vehicle insurance deals in VIC.
- Leverage membership: Add your RACV member number at quote time to unlock eligible rewards and offers (including charging partners like Chargefox).
- Bundle policies: Combine home/contents and car for multi‑policy discounts.
- Prove lower risk: List secure overnight garaging and realistic annual kilometres.
- Ask about smart‑charger programmes: An RACV‑approved home charger and usage data enrolment may attract a premium discount—confirm eligibility and conditions.
- Right‑size extras: Only add hire‑car, glass or roadside tiers you’ll actually use.
Always read the PDS for terms, limits and exclusions relevant to your car and usage before you buy.
5. NRMA – EV roadside and recovery built in (NSW/ACT)
When an EV hiccup happens far from home, the real test of “best electric vehicle insurance” is how quickly you’re recovered. NRMA folds EV‑specific rescue into its comprehensive cover for NSW and ACT drivers, including mobile charging or a flat‑bed tow when you’re out of juice, and first responders trained in high‑voltage safety—exactly what you need on the day, not just on the policy.
What makes it stand out for EVs
NRMA’s strength is practical, EV‑aware recovery that reduces stress and surprise costs when things go wrong.
- EV‑specific roadside: Mobile charging truck or flat‑bed tow included up to 100 km per incident.
- High‑voltage know‑how: Call‑outs cover isolation protocols and battery‑fire procedures.
- Post‑accident diagnostics (optional): Add battery‑health checks after a crash (around $40/year) to detect latent cell damage before it becomes a dispute.
Who it’s best for
If you drive mainly in NSW/ACT and value built‑in rescue, NRMA is a strong fit.
- City and regional drivers who want guaranteed EV‑appropriate recovery within 100 km.
- Apartment or street‑parked owners who lean on public charging and can’t trickle‑charge at home.
- Frequent highway travellers who need reliable flat‑bed coverage after incidents.
EV-specific cover to check
Always confirm the PDS so the key EV risks are properly addressed.
- Battery fire/thermal runaway: Check that battery‑caused fires are covered.
- Charging gear: Verify cover for wall‑boxes, cables and portable chargers (theft/accidental damage).
- Recovery limits: Confirm the 100 km allowance and when mobile charging vs towing applies.
- Repairer access: Clarify choice of EV‑qualified repairer and any authorisation rules.
- Diagnostics add‑on: Ensure availability and what post‑accident tests are included.
Pricing and savings tips
NRMA pricing can sharpen when you bring the right details—and your history.
- Leverage loyalty: NRMA’s tiered loyalty discounts start around 5% and can reach up to 25% after long tenure—quote with your customer number to auto‑apply.
- Avoid duplicate roadside: Built‑in recovery often replaces a separate assistance subscription—drop the extra plan to save.
- Right‑size excess: Choose an excess you can afford; higher basics usually lower the premium.
- State your risk accurately: Secure garaging and realistic annual kilometres can trim your rate.
- Only add what you’ll use: Hire‑car, glass and diagnostics add‑ons are valuable—pick strategically to avoid overpaying.
Terms, limits and exclusions apply—always read the PDS before you buy.
6. Budget Direct – low-cost cover for compact EVs
Hunting for a sharp premium on a smaller EV? Budget Direct often appears near the top of comparison results for compact models like the MG ZS EV, Nissan Leaf and BYD Dolphin. Its big drawcard is keeping the basic excess low (as little as $400) without blowing out the premium—useful if you want predictable out‑of‑pocket costs on everyday bumps and scrapes.
What makes it stand out for EVs
- Low excess options: Choose a $400, $600 or $800 basic excess; glass excess can be set separately.
- Suited to sub‑$60k EVs: Market‑value cover aligned to compact electric cars.
- Built‑in EV events: Battery fire covered plus charger damage up to about $1,500.
Who it’s best for
- Younger city drivers with clean records and underground/secure parking.
- Owners under ~15,000 km/year who want value over bells and whistles.
- Metro QLD and SA drivers who often see keener rates in quotes.
EV-specific cover to check
- Charger/cable cover limits: Confirm the cap (typically up to $1,500) and what accessories are included.
- Battery fire coverage: Ensure battery‑related fires are listed.
- Market value vs agreed value: Know how your payout is calculated on a write‑off.
- Glass options: Check panoramic roof/windscreen cover and any separate glass excess.
Pricing and savings tips
- Pick the right excess: $600–$800 can trim premiums while staying affordable at claim time.
- Safe‑Driver Assessment: Complete Budget Direct’s optional online assessment after purchase to score a one‑off $100 renewal credit.
- State your risk accurately: Secure garaging and realistic annual kilometres can price in your true (lower) risk.
- Only add what you’ll use: Keep add‑ons lean (e.g., glass, hire car) to avoid paying for extras you won’t need.
Always read the PDS to confirm terms, limits and exclusions for your EV and usage.
7. QBE – strong EV repair network and green parts
QBE blends mainstream value with EV‑ready support. Its national repair network includes 100+ workshops qualified to work on high‑voltage systems, and a Green Parts Guarantee that uses recycled OEM panels where feasible—helping contain claim costs and, in turn, pressure on renewals. Comprehensive policies for EVs can include lifetime roadside assistance (flat‑bed tow or mobile charging) at no extra cost, automatic cover for battery fire and charger damage up to $2,000, and towing to the nearest QBE‑approved EV repairer.
What makes it stand out for EVs
QBE’s proposition is practical: fast access to qualified repairers, built‑in rescue, and cost‑smart repair methods.
- EV‑qualified network: 100+ high‑voltage certified workshops across Australia.
- Green Parts Guarantee: Recycled OEM panels where appropriate to keep repair quality high and costs lean.
- Roadside included: Lifetime assistance with flat‑bed tow or mobile charging baked into comprehensive EV cover.
- Battery/changer cover: Automatic cover for battery fire and charger damage up to $2,000.
- Towing sorted: To the nearest QBE‑approved EV repairer.
Who it’s best for
If you value smooth claims and predictable support, QBE fits well.
- Families and commuters wanting pre‑vetted EV repairers and quick turnaround.
- Regional drivers who need reliable roadside help and flat‑bed capability.
- Eco‑conscious owners who appreciate recycled OEM parts where suitable.
- Time‑poor drivers who prefer less haggling and faster authorisations.
EV-specific cover to check
Confirm the critical EV protections and any limits so there are no surprises.
- Battery fire and charger damage: Check the limit (typically up to $2,000) and included accessories.
- Roadside scope: Ensure mobile charging/flat‑bed coverage applies in your area.
- Towing terms: Nearest QBE‑approved EV repairer and any distance limits.
- Green Parts Guarantee: When recycled OEM parts may be used and any opt‑out settings.
Pricing and savings tips
A few smart moves can help you sharpen a QBE quote.
- Pay annually: QBE trims about 7% when you pay the full year upfront.
- Right‑size excess: Pick the highest excess you could comfortably pay tomorrow.
- Avoid duplicate roadside: Built‑in assistance may let you cancel a separate plan.
- State your risk accurately: Secure garaging and realistic kilometres can cut loadings.
- Use the network: Pre‑approved EV repairers often speed repairs and reduce hire‑car days.
Terms, conditions, limits and exclusions apply—always read the PDS to confirm details for your vehicle and usage.
8. GIO – EV discount and drive-less pay-less option
If you’re a low‑kilometre EV owner, GIO stands out with a built‑in “green vehicle” saving and usage‑based pricing that rewards lighter driving. It pairs that with EV‑aware claim benefits—like unlimited‑distance towing to the nearest EV‑authorised repairer—and cover for battery fire and charging gear, plus hire‑car after theft for up to 21 days.
What makes it stand out for EVs
GIO blends straightforward savings with practical EV support you’ll feel at claim time.
- Automatic EV/hybrid discount: A straight 5% premium reduction applied at quote.
- Drive Less Pay Less: Kilometre‑based pricing that rewards lower annual use.
- Unlimited towing: To the closest EV‑authorised repairer—no hidden kilometre cap.
- Built‑in protections: Cover for battery fire, charger/cable damage, and hire‑car after theft (up to 21 days).
Who it’s best for
GIO tends to sharpen for drivers whose habits and postcode keep risk genuinely low.
- Low‑mileage owners (often under 10,000 km/year) who can verify kilometres.
- City and regional drivers who value guaranteed tow access to EV‑qualified repairers.
- Price‑conscious households wanting a simple up‑front EV discount.
EV-specific cover to check
Before you bind cover, confirm the inclusions and any limits in the PDS.
- Battery fire events and what diagnostics/repairs are covered.
- Charging gear (wall‑boxes, portable chargers, cables) and theft/accidental damage.
- Towing terms to EV‑authorised repairers and process to arrange it.
- Hire‑car after theft duration and daily caps.
- Excesses (age/unlisted driver) that could apply to your household.
Pricing and savings tips
Stack GIO’s headline discounts with a few easy tweaks to keep premiums lean.
- Claim the 5% EV discount: Ensure the quote flags your car as EV/hybrid.
- Use Drive Less Pay Less: If you drive <10,000 km/year, this can shave a further 8–12%.
- Set a sensible excess: Lift the basic excess to lower the annual price—within what you can afford.
- State real risk: Secure garaging, verified kilometres and named drivers keep loadings down.
Terms, conditions, limits and exclusions apply—always read the PDS to confirm how these benefits apply to your EV and usage.
9. AAMI – telematics-driven savings for safe EV drivers
If you’re a smooth, careful EV driver, AAMI’s app‑based telematics can turn your habits into real savings. The app scores your first 250 km, and high scores can unlock a sizeable discount at renewal—EVs often shine here thanks to regenerative braking and gentler throttle inputs.
What makes it stand out for EVs
AAMI pairs data‑driven pricing with practical EV inclusions that matter on bad days as much as good ones.
- Telematics savings: Complete 250 km and score well to earn up to 15% off at first renewal.
- Live feedback: App works with Apple CarPlay and Android Auto so you can monitor your driving score.
- EV‑ready recovery: Towing to the nearest EV‑certified repairer within 100 km is included.
- Charger protection: Cover for damaged charging cables up to $1,500.
Who it’s best for
AAMI tends to reward drivers whose real‑world behaviour is safer than average.
- Consistently smooth drivers who can score well on braking, cornering and acceleration.
- City commuters with predictable routes and low incident exposure.
- Owners comfortable with telematics who want pricing tied to how they actually drive.
EV-specific cover to check
Confirm the EV‑specific protections and any limits in your quote/PDS.
- Battery fire/thermal runaway events are covered.
- Charging gear limits: Cable/charger cover up to about $1,500.
- Recovery scope: Tow to the nearest EV‑certified repairer within 100 km.
Pricing and savings tips
Lock in AAMI’s sharper rates by leaning into what the app values.
- Finish the 250 km window: Aim for an 80+ score to bank up to 15% off at renewal.
- Grab easy discounts: Choose paperless docs and direct‑debit payments for an extra $50 off.
- Set a sensible excess: Higher basic excess = lower premium—pick one you can comfortably afford.
As always, terms, limits and exclusions apply—read the PDS to confirm what’s covered for your EV and usage.
Final thoughts
There isn’t one “best” electric vehicle insurance for everyone. The smart play is to match the cover to your EV risks (battery and charging gear, EV‑certified repairers, roadside) and then tune the price with levers you control (excess, bundles, low‑kilometre or telematics). Get two or three live quotes, compare the EV specifics in the PDS, and only pay for add‑ons you’ll actually use.
Want a fast, low‑effort starting point? Grab a brokered benchmark and push for a match or beat. You can kick that off with a quick Price‑Beat quote from National Cover and then cross‑check against at least one big brand and one telematics option. Do that, and you’ll land strong cover at a fair price—without the guesswork.
