Photo by Saksham Vikram on PexelsAccording to a 2025 report published by Insurify, an insurance cost analysis company, EVs cost about 49% more to insure, on average, than their gas-powered counterparts. According to the study, EV drivers make an average of $4,058 in auto insurance payments annually, compared to an average of $2,732 for Americans driving internal combustion engine (ICE) vehicles.The degree to which average insurance payments for EVs exceed insurance costs for ICE vehicles varies considerably from state-to-state. In many parts of the country, EV owners are paying well over 60% more for insurance than those driving traditional gas-powered vehicles.Using data from Insurify, Climate Crisis 247 identified the states where EV owners pay the most for car insurance. States are ranked on the relative difference in average annual insurance costs between EVs and traditional ICE vehicles.AdvertisementAdvertisementAccording to Insurify, variations in average insurance payments for EV owners between the states are due to several factors. Environmental and social considerations, like potential exposure to natural disasters or high crime rates, can drive up insurance costs for all drivers. Additionally, in places where Americans have been slower to adopt EVs, insurers have less experience in estimating how much a given claim will cost, and as a result, they often charge higher prices for EV owners to reduce risk to the company.10. FloridaEV versus comparable gas-vehicle insurance costs: 65.7% more expensive (+$2,094)Average annual EV insurance cost: $5,283Average annual gas-vehicle insurance cost: $3,1899. New MexicoEV versus comparable gas-vehicle insurance costs: 69.9% more expensive (+$1,480)Average annual EV insurance cost: $3,597Average annual gas-vehicle insurance cost: $2,117Photo by Nils Huenerfuerst on Unsplash8. NevadaEV versus comparable gas-vehicle insurance costs: 70.2% more expensive (+$2,388)Average annual EV insurance cost: $5,791Average annual gas-vehicle insurance cost: $3,4037. IndianaEV versus comparable gas-vehicle insurance costs: 70.8% more expensive (+$1,459)Average annual EV insurance cost: $3,520Average annual gas-vehicle insurance cost: $2,0616. LouisianaEV versus comparable gas-vehicle insurance costs: 72.4% more expensive (+$2,182)Average annual EV insurance cost: $5,197Average annual gas-vehicle insurance cost: $3,0155. DelawareEV versus comparable gas-vehicle insurance costs: 76.4% more expensive (+$2,530)Average annual EV insurance cost: $5,840Average annual gas-vehicle insurance cost: $3,3104. IowaEV versus comparable gas-vehicle insurance costs: 87.1% more expensive (+$1,561)Average annual EV insurance cost: $3,354Average annual gas-vehicle insurance cost: $1,7933. IdahoAdvertisementAdvertisementEV versus comparable gas-vehicle insurance costs: 95.1% more expensive (+$1,624)Average annual EV insurance cost: $3,332Average annual gas-vehicle insurance cost: $1,7082. PennsylvaniaEV versus comparable gas-vehicle insurance costs: 98.7% more expensive (+$2,284)Average annual EV insurance cost: $4,598Average annual gas-vehicle insurance cost: $2,314ArkansasEV versus comparable gas-vehicle insurance costs: 99.5% more expensive (+$2,402)Average annual EV insurance cost: $4,817Average annual gas-vehicle insurance cost: $2,415