ELECTRIC VEHICLE INSURANCE

Insurance for Electric Vehicles (EVs)

If you’ve recently made the switch to an electric vehicle—or are thinking about it—you might be wondering how insurance works for EVs. At Clayton Hanley Insurance, we help drivers across the St. Louis area, including Oakville, Arnold, and Imperial, understand what kind of car insurance they need for their electric vehicle and how to keep costs down.

Whether you drive a Tesla, a Chevy Bolt, a Ford Mustang Mach-E, or any other electric model, we can help you make sure your coverage is the right fit.

Is Insurance Different for Electric Cars?

The basics of car insurance are the same for electric and gas-powered vehicles. You still need liability coverage, and you’ll likely want protection for damage to your car, uninsured drivers, and other common risks.

However, there are a few important things to keep in mind:

• Electric cars can cost more to repair, especially if they use specialty parts or advanced technology.

• Batteries are expensive, and damage to the battery may not always be fully covered by every policy.

• Charging equipment—like a home charging station—might not be automatically covered under your auto policy, but it can often be added to your homeowners policy.

That’s where we come in. At Clayton Hanley, we’ll review your options with you and explain everything in plain language. We’ll also help you avoid gaps in coverage that could end up costing you down the road.

Finding the Best Rate for Your EV

As an independent agency, we work with multiple top-rated insurance companies. That means we can shop around and compare prices and coverage for your electric vehicle. Some companies even offer special discounts for electric or hybrid cars. We’ll make sure you get every savings opportunity available, including safe driver discounts, bundling with home insurance, and more.

Our goal is to help you protect your investment without paying more than you need to.

Friendly, Local Support You Can Trust

We’re not a big insurance call center. Clayton Hanley is a small team that truly cares about our clients. We take the time to get to know you, answer your questions, and give you honest advice. If you ever need help with a claim or just want to understand something on your policy, we’re here and ready to help.

We’re proud of the hundreds of 5-star reviews we’ve earned from local families and individuals. Our clients stay with us because they trust us to look out for them—especially as new insurance needs come up, like switching to an EV.