Best Auto Insurance for Hybrid Vehicles in 2024 (Your Guide to the Top 10 Companies)
Allstate, State Farm, and Progressive have the best auto insurance for hybrid vehicles. While the average hybrid car insurance cost is 17% higher than for gas vehicles, the best companies offer hybrid vehicle discounts. For example, Allstate offers an up to 8% discount for hybrid vehicle owners.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
UPDATED: Apr 18, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
11,412 reviewsCompany Facts
Full Coverage for Hybrid Vehicles
A.M. Best Rating
Complaint Level
Pros & Cons
11,412 reviews
17,754 reviewsCompany Facts
Full Coverage for Hybrid Vehicles
A.M. Best Rating
Complaint Level
Pros & Cons
17,754 reviews
13,126 reviewsCompany Facts
Full Coverage for Hybrid Vehicles
A.M. Best Rating
Complaint Level
Pros & Cons
13,126 reviewsThe best auto insurance for hybrid vehicles can be found at Allstate, State Farm, and Progressive.
Other great companies for hybrid vehicle insurance that offer green vehicle auto insurance discounts are below.
| Company | Rank | Green Drive Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 8% | A+ | Infrequent Drivers | Allstate |
 | #2 | 6% | A++ | Customer Service | State Farm |
 | #3 | 10% | A+ | Budgeting Tools | Progressive |
 | #4 | 7% | A | Roadside Assistance | AAA |
 | #5 | 8% | A+ | Personalized Policies | Erie |
 | #6 | 10% | A | Add-on Coverages | Liberty Mutual |
 | #7 | 8% | A+ | Usage-Based Coverage | Nationwide |
 | #8 | 10% | A | Safe-Driving Discounts | Farmers |
 | #9 | 7% | A++ | Bundling Policies | Travelers |
 | #10 | 9% | A | Loyalty Rewards | American Family |
If you want to get started on shopping for the top hybrid vehicle auto insurance, compare quotes with our free tool.
- Allstate has the best insurance for hybrid cars
- Driving a hybrid can cost more to insure than a standard vehicle
- The more miles you drive, the higher the risk of having an accident
#1 – Allstate: Top Pick Overall
Pros
- Infrequent Drivers: Allstate offers lower rates to drivers who track fewer miles than the average.
- Hybrid Vehicle Discount: Allstate offers a hybrid vehicle discount, as well as several other auto insurance discounts.
- Coverage Options: Allstate offers full and minimum coverage options. Learn more in our review of Allstate.
Cons
- Rates: Allstate’s rates can be more expensive for high-risk drivers.
- UBI Availability: Allstate’s UBI discount isn’t available in all states.
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#2 – State Farm: Best for Customer Service
Pros
- Customer Service: State Farm’s customer service is highly rated, and you can learn more about it in our State Farm review.
- Multi-Car Discount: Owners of more than one hybrid vehicle will qualify for a discount at State Farm.
- Coverage Options: State Farm offers convenient add-ons like roadside assistance.
Cons
- Agent Purchases: Policies are purchased through an agent, not online.
- UBI Availability: State Farm’s discount for usage-based driving isn’t available in all states.
#3 – Progressive: Best for Budgeting Tools
Pros
- Budgeting Tools: Progressive’s free budgeting tool helps customers see how much coverage they can buy on their budget.
- Multi-Policy Discount: Drivers will earn a discount for purchasing home or renters insurance in addition to auto insurance.
- Online Convenience: Customers can file claims, make policy changes, and more on Progressive’s app or website.
Cons
- Customer Service: Progressive has just average J.D. Power ratings for customer satisfaction. Learn more in our Progressive review.
- Rate Increases from UBI Program: Progressive’s UBI discount program can result in rate increases for poor drivers.
#4 – AAA: Best for Roadside Assistance
Pros
- Roadside Assistance: AAA offers some of the best roadside assistance on the market. Learn more about its roadside assistance in our review of AAA.
- Hybrid Vehicle Discount: AAA offers a hybrid vehicle discount to qualifying vehicles.
- Coverage Options: Even though AAA is known for its roadside assistance, it also offers plenty of other coverages.
Cons
- Additional Membership Fee: To purchase auto insurance, you must be a member of AAA and pay an annual membership fee.
- Club Services Vary Across States: If you move, the new club may not offer the same rates, customer service, etc., that you are used to.
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#5 – Erie: Best for Personalized Policies
Pros
- Personalized Policies: Customers can easily personalize policies with Erie’s coverage options. Learn more about it in our Erie auto insurance review.
- Rate Lock: Erie doesn’t raise rates unless there are policy changes.
- Agent Services: Erie’s agents can help customers with quotes, policy issues, filing claims, and more.
Cons
- Availability: Unfortunately, Erie insurance is not sold in many states.
- Limited Online Services: Erie’s app and website have limited services. For example, you can’t file a claim online with the app.
#6 – Liberty Mutual: Best for Add-On Coverages
Pros
- Add-On Coverages: Liberty Mutual’s selection of add-on coverages ranges from gap insurance to rental reimbursement insurance.
- Accident Forgiveness: Liberty Mutual offers accident forgiveness for some drivers.
- Discount Options: Liberty Mutual has bundling discounts, green vehicle discounts, and more.
Cons
- UBI Availability: Liberty Mutual doesn’t offer its UBI discount in all states.
- High-Risk Driver Rates: Liberty Mutual’s rates may be less affordable for DUI and young drivers. Learn more about rates in our Liberty Mutual review.
#7 – Nationwide: Best for Usage-Based Coverage
Pros
- Usage-Based Coverage: Nationwide offers usage-based coverage and discounts, which you can read about in our Nationwide review.
- Vanishing Deductibles: Each claims-free policy period will result in a lower deductible at Nationwide.
- Multi-Policy Discount: Nationwide offers a significant discount for bundling home or renters insurance with auto insurance.
Cons
- Availability: Nationwide insurance isn’t available for purchase in a few states.
- DUI Rates: Nationwide is more expensive for DUI drivers.
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#8 – Farmers: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Driving safely while participating in the Farmers UBI program can result in a large discount.
- Local Agents: Farmers’ local agents can provide in-person assistance to most customers.
- Hybrid Vehicle Discounts: Farmers offers a hybrid vehicle discount. Learn more about Farmers’ discounts in our Farmers review.
Cons
- UBI Availability: Farmers’ UBI discounts are unavailable in a few states.
- Lacks Gap Coverage: Unfortunately, new hybrid vehicle owners can’t get gap coverage from Farmers.
#9 – Travelers: Best for Bundling Policies
Pros
- Bundling Policies: You can get a bundling discount if you buy more than one type of insurance at Travelers.
- Add-On Coverages: Travelers’ add-on coverages help round out a policy. Read more about its coverage options in our Travelers review.
- Accident Forgiveness: Traveler’s accident forgiveness policy can save safe drivers hundreds of dollars after an accident.
Cons
- High-Risk Rates: Drivers with poor driving records may want to look elsewhere for affordable insurance.
- Customer Service: Travelers has average ratings from J.D. Power for customer service.
#10 – American Family: Best for Loyalty Rewards
Pros
- Loyalty Rewards: American Family offers discounts to loyal customers. Find out more in our American Family review.
- Coverage Options: American Family has minimum or full coverage options for hybrid vehicle owners.
- Accident Forgiveness: American Family won’t raise rates after qualifying drivers’ first at-fault accident.
Cons
- Availability: Not all states sell American Family insurance.
- High-Risk Driver Rates: American Family’s rates may not be the cheapest option for high-risk drivers.
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Why Hybrid Vehicle Insurance Rates are More Expensive
Owners of hybrid vehicles may notice that their rates are higher than those of traditional gas vehicles. There are a few factors that affect auto insurance rates for green vehicles, which we go over below.
Hybrid Drivers Clock More Distance
Research is showing that hybrid car drivers spend more time behind the wheel. Those miles you’re clocking have an impact on your auto insurance rates.
One of the reasons you have to turn in your mileage and model year to your agent is to show your driving profile. The more miles you clock, the more you’re at risk of getting into an accident.
Hybrid owners clock more miles mainly due to how little money comes from their pockets. It may cost a hybrid owner pocket change to drive to grandma’s house for Christmas instead of stressing over airfare.
Repair Costs Are Substantial
Repairing a hybrid is not a simple task. It now takes specialized mechanics to work on all the technology that runs a hybrid. This cost plays a large role in your auto insurance premiums.
Read more: Does auto insurance cover battery replacement?
Auto insurance companies are looking at the average cost to repair a hybrid in an accident. This might seem minor to some, but when you add that up over thousands of insured hybrids the costs get astronomical. It is important to get quotes from the best companies, such as Allstate, to find the best deal.
Aftermarket Parts Just Don’t Rock
The hybrid parts market has not come of age either. Hybrids are still relatively new. Scrap yards have yet to acquire large surpluses of parts to help mechanics in the repairs of these vehicles.
These repair bills are then turned in to auto insurance companies. These companies tend to frown when a headlight costs a few hundred instead of a few Lincolns.
You may be able to offset the cost of auto insurance for hybrid vehicles a bit with a hybrid car insurance discount, also known as a “green vehicle discount.” While Farmers and Travelers each offer a 10% discount, and Geico offers a 5% discount, if you have a different insurer or are shopping around, ask them about this discount.Justin Wright Licensed Insurance Agent
Auto insurance companies will have to recuperate that cost in some form, which does not lead to cheap auto insurance.
It’s All About the Sales
Sales were not that huge when hybrids first started coming onto the market. Sales have rapidly increased over the past decade.
While this is a great indicator of how well hybrids are being received, it means the likelihood of having an auto insurance claim come in on a hybrid vehicle is much higher.
There are several cars out on the road that are better when compared to a hybrid car when it comes to miles per gallon. You may have to learn how to pump some diesel fuel instead though.
How to Save on Hybrid Auto Insurance
Luckily, there are a few things you can do to save on your hybrid car insurance rates. The first is to check out the best auto insurance companies for hybrid vehicles.
Auto Insurance Monthly Rates for Hybrid Vehicles by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $32 | $86 |
| Allstate | $61 | $160 |
| American Family | $44 | $117 |
| Erie | $22 | $58 |
| Farmers | $53 | $139 |
| Liberty Mutual | $68 | $174 |
| Nationwide | $44 | $115 |
| Progressive | $39 | $105 |
| State Farm | $33 | $86 |
| Travelers | $37 | $99 |
The second is to shop for discounts that can lower your rates at the best companies.
By shopping for hybrid car quotes at the best companies and qualifying for discounts, you can help keep rates low.
The Final Word on the Best Hybrid Auto Insurance
Hybrid cars are taking the fast lane by storm. This rise in hybrid sales might benefit the environment, but your auto insurance company does not like it. It is currently predicted that auto insurance rates on hybrid cars will climb higher than those gas-guzzling SUVs. Factors like the amount you drive, the expense of replacement parts and service, and others will all affect hybrid vehicle insurance rates. However, knowing how to lower your auto insurance rates through discounts and comparison shopping will help keep rates affordable.
Want to find the best hybrid car insurance possible? Enter your ZIP code into our free rate comparison tool to save on hybrid auto insurance rates.
Frequently Asked Questions
Is insurance higher for a hybrid car?
In general, the rates on auto insurance for hybrid vehicles are comparable to those of their gasoline-powered counterparts. However, factors such as the make and model of the hybrid vehicle, its repair costs, and its safety features may influence the insurance premiums.
Is there a hybrid car insurance discount?
Yes, some insurance companies offer discounts for hybrid vehicle owners. These discounts can vary between providers, but common discounts include those for eco-friendly vehicles, hybrid-specific safety features, and fuel efficiency.
What factors influence the insurance premiums for hybrid vehicles?
The factors affecting the cost of auto insurance for hybrid vehicles are similar to those for traditional vehicles. These factors include the driver’s age, driving history, location, coverage options, deductible amount, the value of the hybrid vehicle, and the cost of repairs and replacement parts (learn more: Factors That Affect Auto Insurance Rates).
Are hybrid vehicles more expensive to repair, and does that affect insurance premiums?
Hybrid vehicles may have slightly higher repair costs due to their advanced technology and specialized components. These increased repair costs can impact insurance premiums, as insurers take into account the potential expenses of repairing or replacing damaged hybrid-specific parts.
Do hybrid vehicles qualify for any special coverage options?
Hybrid vehicles are generally eligible for the same coverage options as traditional vehicles. However, some insurers may offer specialized coverage options for hybrid vehicles, such as coverage for electric motor or battery damage, or coverage for charging equipment.
What is the best car insurance for hybrid vehicles?
Full coverage is the best hybrid insurance, but the cheapest hybrid car insurance will be minimum coverage (read more: When to Buy More Than Minimum Auto Insurance).
How does a hybrid car work?
Hybrid vehicles primarily use electric motors but can also switch to gas.
Are hybrids better than electric?
It depends on what you are looking for in a car, as both have merits and disadvantages.
Are hybrids more expensive to maintain?
Yes, hybrid vehicles tend to be more expensive to maintain, which does raise the insurance cost for hybrid cars (learn more: Best Auto Insurance for Regular Maintenance).
Who offers the best insurance on hybrid cars?
Allstate offers the best insurance for hybrid cars. You can get quotes for insurance rates for hybrid cars easily using our free tool.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
