If you drive an EV and your renewal suddenly jumped, you’re not imagining things. The insurance hike has been hitting a lot of drivers, and older drivers can feel it even more because pricing now leans harder on risk scoring, repair costs, and behavior data. EVs are cheaper to “fuel,” but they can be pricey to repair, and insurers price for what a claim might cost, not how careful you feel behind the wheel. Add in modern underwriting tools that slice drivers into narrower buckets, and a clean driving record doesn’t always protect you the way it used to. The good news is you still have levers you can pull to bring the number down without gambling on flimsy coverage.
