Save up to 30% on electric vehicle coverage in Ontario.

We’re leading the charge in providing comprehensive coverage for the future of auto technology. With a deep commitment to innovation and environmental responsibility, our tailored coverages will keep you on the road with confidence.

Electric auto insurance Ontario

Unique rates, designed for you.

We are proud to partner with the Electric Vehicle Society and offer you a unique group insurance rate which qualifies you for an additional 30%* discount when combining with your home policy. 

*prices are subject to membership with the EV Society and documentation will be provided to secure the membership and associated discounts.

Car insurance in Ontario

Coverages

Get to know what’s covered with your EV insurance in Ontario:

Third party liability

Third Party Liability

Covers the legal expenses if you’re sued after an at-fault accident

Accident Benefits

Accident Benefits

Electric vehicle insurance provides funds for accident-related injuries

Uninsured Automobile

Uninsured Automobile

Covers all costs if a driver is uninsured, or flees the scene of an accident (ie. a hit-and-run)

Direct Compensation

Direct Compensation

Covers damage to vehicle or other property not at-fault in an accident

Additional liability

Additional Liability

Electric car insurance covers damage caused by your home charging cable or vehicle gear

EV Battery Protection

EV Battery Protection

Covers third-party suppliers in the event you lease the batteries in your EV

Home Charger Protection

Home Charger Protection

Electric auto insurance covers your home charging station and is added to your existing home insurance policy

Optional Coverages

Collision coverage

Collision Coverage

Electric vehicle insurance covers damage to your vehicle if you’re involved in an accident with an object or are at fault

Comprehensive coverage

Comprehensive Coverage

Covers damage to your vehicle from incidents such as hail, wind, water theft or vandalism

Accident forgiveness

Accident Forgiveness

Grants you one “free” at-fault accident, protecting you from a rate increase provided you remain with the same company

Depreciation coverage

Depreciation Coverage

In the event your vehicle is deemed a total loss, this entitles you to the original price you paid/ current sale price of your vehicle, and prevents depreciation

Emergency roadside

Emergency Roadside

Electric vehicle insurance covers the expenses related to towing a vehicle after an accident

Rental Car Coverage

Rental Car Coverage

Extends your insurance coverage to a rental vehicle, up to a maximum limit

Who Needs Electric Car Insurance?

All electric vehicle owners are required to have electric car insurance. In Ontario, it is legally required to have insurance coverage for any vehicle you own to protect against potential claims. This requirement applies universally, whether you drive a gas-powered, electric, or hybrid car.

If you already own a vehicle, you likely already have car insurance. Switching to electric vehicle insurance can be as straightforward as any other vehicle change you’ve made before. To ensure you have the necessary coverage and explore additional options, contact Duliban Insurance Brokers.

What Is Considered An Electric Car?

An electric car is powered by an electric motor and batteries, which must be charged through a wall outlet or a charging station. These Plug-in Electric Vehicles (EVs) need a regular connection to an EV charger to recharge their batteries. An example of an electric car is a Tesla.

All-electric cars differ from plug-in hybrid electric cars (PHECs). PHECs use an internal combustion engine powered by gasoline and batteries to run an electric motor. When the electric batteries deplete, the vehicle switches to the gasoline engine.

There are various makes and models of electric vehicles on the market, each offering different ranges before the battery needs recharging. Ontario is seeing an increase in public charging stations, enhancing charging convenience. Charging times for electric vehicles can vary based on many factors.

Benefits of Electric Auto Insurance

Electric vehicle insurance offers several distinct advantages for owners of electric vehicles (EVs), ensuring comprehensive protection and support tailored to the unique aspects of these cars.

Specialized Coverage

Electric car insurance policies often include specific coverage for the unique components of electric vehicles, such as the battery and charging equipment. This ensures that any damage to these crucial parts is adequately covered, providing peace of mind for EV owners.

Discounts and Incentives

Many insurance providers offer discounts and incentives for electric car owners. These can include lower premiums due to the environmentally friendly nature of EVs, as well as incentives for participating in green driving programs or using telematics devices that monitor and reward safe driving habits.

Comprehensive Protection

Electric auto insurance offers comprehensive protection against various risks, including theft, vandalism, and damage from accidents. This ensures that EV owners are fully covered in the event of an incident, reducing the financial burden associated with repairs or replacements.

Roadside Assistance

Many electric car insurance policies in Ontario include roadside assistance services specifically designed for EVs. This can be particularly beneficial in situations where the car’s battery is depleted and requires a recharge, ensuring that help is available when needed.

Coverage for Charging Stations

Some electric car insurance policies provide coverage for home charging stations, protecting them against damage from incidents such as fire, theft, or vandalism. This additional coverage can be a significant benefit for EV owners who have invested in at-home charging infrastructure.

Lower Environmental Impact

Insuring an electric vehicle in Ontario can contribute to a lower environmental impact, as many insurance companies recognize the reduced emissions and eco-friendly nature of EVs. This can result in lower insurance premiums and additional benefits that promote sustainable driving.

Future-Proof Policies

As the popularity of electric vehicles continues to grow, insurance providers are increasingly offering future-proof policies that adapt to new technologies and advancements in the EV industry. This ensures that electric car owners have access to the latest coverage options and protections as the market evolves.

Peace of Mind

One of the most significant benefits of electric car insurance is the peace of mind it provides. Knowing that your electric vehicle is covered by a policy tailored to its specific needs allows you to enjoy the benefits of driving an EV without worrying about potential risks or financial burdens.

When adding onto your home policy just won’t cut it, we’ve got an enhanced program dedicated to the niche coverage you’re looking for. Buy your policy online in minutes, with Tractor Protect.

Getting an Electric Auto Insurance Quote in Ontario

As electric vehicles gain popularity, more drivers in Ontario are seeking tailored insurance solutions for their eco-friendly cars. Obtaining an electric auto insurance quote in Ontario involves a few specific steps and considerations to ensure comprehensive coverage at a competitive price.

Understanding Electric Auto Insurance

Electric auto insurance addresses the unique needs and risks associated with electric vehicles. This includes coverage for high-value components like the battery and specialized equipment such as home charging stations. It’s essential to understand these aspects when seeking a quote, as they can influence the type of coverage and premiums offered.

Factors Influencing the Quote

Several factors can influence your electric auto insurance quote in Ontario:

  • Vehicle value. The high initial cost of electric vehicles and their components can impact the premium.
  • Usage. How often and how far you drive your EV can affect the insurance cost. Lower mileage frequently leads to reduced premiums.
  • Location. Where you live and park your vehicle can influence your insurance rates due to varying risk levels in different areas.
  • Coverage options. The extent and type of coverage you choose will directly affect the quote. Comprehensive plans offer broader protection but come at a higher cost.

Obtaining an electric auto insurance quote in Ontario is a straightforward process that requires detailed information about your vehicle and coverage needs. By comparing quotes and consulting with an insurance broker, you can find a policy that offers the best protection and value for your electric vehicle.

Duliban Insurance Brokers can help with electric vehicle insurance in Ontario. Call us at +1 855-385-4226.

FAQs & Troubleshooting Help

We have collected the most relevant questions and answers about electric car insurance for you.
What is electric auto insurance?
Electric car insurance is a specialized type of car insurance designed to cover electric vehicles (EVs). It provides coverage for risks associated with owning and operating an electric car, such as damage to the vehicle, liability for accidents, and protection against theft or vandalism.
Is electric car insurance in Ontario more expensive than a standard, gas-powered car?
Electric auto insurance quotes can vary depending on factors like the make and model of the EV, your location, and your driving history. In some cases, it might be slightly higher due to the cost of repairing or replacing EV-specific components, but it’s not necessarily more expensive across the board.
Does my standard auto policy cover charging equipment or home charging station installation?
Standard electric vehicle insurance typically doesn’t cover charging equipment or home charging station installation. You may need to check with your homeowner’s insurance or inquire about additional coverage options for these items.
Should I have a separate policy for my EV battery?
Most comprehensive EV insurance policies include coverage for the battery as part of the overall coverage. However, it’s crucial to review your electric vehicle insurance and understand what is covered and whether there are any specific conditions or limitations.
Are there any discounts for EV drivers?
Some insurance companies offer discounts for electric vehicles due to their typically lower operating costs and environmental benefits. At Duliban Insurance Brokers electric auto insurance quotes are affordable and it doesn’t take much time to process the insurance. You can also look into discounts related to safety features, multi-vehicle policies, and bundling with home insurance.
Why do I need specialized electric vehicle insurance in Ontario?
Specialized electric vehicle insurance ensures that your policy adequately covers the unique aspects of electric cars. This includes potential issues with the battery, coverage for charging stations, and considerations for the typically higher repair costs associated with EVs. It also may offer benefits specific to EV owners, such as roadside assistance for battery charging.
What coverage options are important for electric vehicle insurance?
Key coverage options for electric vehicle insurance include:
  • Comprehensive and collision coverage to protect against damage or loss.
  • Liability coverage protects against claims if you cause an accident.
  • Coverage for the EV battery and charging equipment.
  • Roadside assistance that includes battery charging.
  • Optional coverage for rental reimbursement if your EV is in the shop for repairs.
Can I insure a used electric vehicle?
Yes, you can insure a used electric vehicle. It’s essential to ensure that the policy includes adequate coverage for the battery and other critical EV components.

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I can’t say enough good things about Mohammed Patwary! He did an amazing job finding me car insurance at a MUCH lower rate than I was previously paying. He’s extremely responsive, knowledgeable, and always on top of everything. He goes above and beyond to help and genuinely cares about getting his clients the best deal. I’m so happy with his service and would HIGHLY recommend Mohammed to anyone looking for a great insurance broker!
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Was looking for help with auto insurance, and Hailey made sure everything went smoothly. She was every understanding and made things move quickly. I'd highly recommend her for her abilities.
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Hilary dident waste anytime getting to work anytime I message her she is quick to respond and always happy thank you Hillary
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2 weeks ago
I had a wonderful experience with Duliban Insurance Brokers, and especially with Steve Auld. Steve was extremely professional, and responsive. He made finding homeowners insurance quick, easy, and completely stress free. I truly appreciate his excellent customer service and how smoothly he handled the entire process. Thank you, Steve, for making what can usually be a stressful process so simple and easy! I highly recommend Duliban Insurance Brokers and Steve Auld to anyone looking for great service and insurance expertise. *Lorena Medina*
Vivian K
2 weeks ago
My insurance went up quite a lot. I have been trying for 2 weeks to talk to someone. I had an appointment today at noon however they did not call me. They are now working on applying discounts and removing some extra costs.
David Brown
2 weeks ago
Called Damian P. at Duliban Insurance for an Auto Insurance Quote. I was able to save over $300 on my annual policy. Thanks again!.
Temi Adewusi
2 weeks ago
I had a swift and smooth experience getting an insurance policy with Hilary. She assisted with finding the right option for my auto insurance.
Terry D
2 weeks ago
If you want professional insurance service make sure to ask for Chantelle. Just got off the phone with her after helping me to customize my renewal policy to fit my needs She guided me thru all the options and explained each one then made the changes I wanted. Great customer service. She knows her stuff and is so easy to deal with. Keep up the super service Chantelle...all the best
Jahnee Edwards
2 weeks ago
Damian was incredibly helpful and easy to communicate with. He was quick at getting everything secured for me, and made the whole process smooth and stress-free. Highly recommend!
Bhargav Chiru
2 weeks ago
Awesome service. Got everything setup and ready to go quickly at a great price. I had a few personal hiccups but Lisa was ultra-patient with me and helped me along the way with ease. Only just signed up, but great experience thus far!
Margie Howser
2 weeks ago
I had the pleasure of communicating with Mallory. She was very knowledgeable, answered all my questions and was extremely easy to work with. She was prompt and getting me the coverage needed for the best price. I would highly recommend this lovely lady to anyone needing car or home or both. Well done Mallory.
Ding
3 weeks ago
Today, Damian Poznanovic helped me complete all the price comparisons and submissions in just a few hours. He saved me at least $1,000 over the next year in a short time. He works quickly, and you can always rely on his professionalism.
Cole Thompson
3 weeks ago
Damian was fantastic, very patient and working around my schedule. Quick, concise, and easy to talk to. Got me a better rate than any other place I spoke to too.
john kaminskas
3 weeks ago
What can you say about your Insurance Brokers? Usually nothing until something happens, well something happened. I am so happy for these guys, Ryan Gosnell was Wonderful!! He helped me through car insurance and made the process painless! Wonderful Job, Thank You Ryan Sincerely Margaret Kaminskas
Matt Milligan
3 weeks ago
Damian was very helpful in my auto insurance search!!
Brandon Johnson
3 weeks ago
I highly recommend Duliban Insurance for all your insurance needs. A special shoutout to Mallory, who was highly knowledgeable, professional, and made the whole process a total breeze!
Ashley Upper
3 weeks ago
I had an excellent experience with my car insurance broker. Mallory is professional, knowledgeable, friendly, and genuinely took the time to make sure I understood my options. She made the whole process easy and stress-free and worked hard to find me the best coverage and rate. I really appreciated how responsive and helpful she was throughout the process. It’s refreshing to deal with someone who actually cares about their clients. I highly recommend her to anyone looking for an honest, reliable, and hardworking insurance broker!
Melad Jajou
3 weeks ago
Damian Poznanovic was a great help! He was very thorough and patient and helped us get a super deal!
C and H Collings
3 weeks ago
Very helpful and knowledgeable ... and very quick to reply and help when needed! Damian, thank you for the effort you put into your work and for your excellent customer service approach!
Art B
3 weeks ago
I highly recommend Damian at Duliban Insurance Brokers! We recently went through the exhausting process of shopping around for quotes to cover multiple vehicles and properties. Out of all the brokers we reached out to, Damian provided the best quotes by far and stood completely head and shoulders above the rest. He was incredibly accommodating, deeply understanding, and genuinely patient as we worked through several rounds of adjustments and questions. He listened carefully to all our feedback and updated our quotes multiple times without a single complaint. Unfortunately, due to an unexpected vehicle safety inspection issue right at the finish line, we had to put our switch on hold and stay with our current provider for now. Despite knowing we weren't able to finalize the policy this time around, Damian remained just as professional, kind, and supportive. Because of his exceptional customer service and dedication, he will be the very first person we call when we are ready to shop around again next year. If you are looking for an insurance broker who actually listens, goes the extra mile, and gets you the best quotes, Damian is your guy!
Phil Dass
3 weeks ago
I have been dealing with Duliban for over 3 years now. Customer service and help is exceptional. Very informative and friendly. Spoke to Hailey-Jane with regards to switching my current policy to another vehicle. Couldn’t have been an easier process and she was so kind and friendly. Recommend them for any of your insurance needs
Hailey-Jane Hyatt from Duliban Insurance House/.Car Insurance was very professional, patient and helpful. Thank you for making this process easy. Kim G.
Paul D.
3 weeks ago
Great service, fantastic help. Ended up paying less than my previous insurance company for the same coverage.
Stafford
4 weeks ago
Our experience with Amy Brown was not only professional, but friendly and informative. Her thoughtfulness and expertise was very instrumental throughout the whole process of transferring our pre-existing tenant home and auto coverage to CAA. She was always ready to answer our questions and was very clear in her explanations. This interaction was one of the most seamless we have ever had, and I would highly recommend her services for any current or future clients of Duliban

When adding onto your home policy just won’t cut it, we’ve got an enhanced program dedicated to the niche coverage you’re looking for. Buy your policy online in minutes, with Tractor Protect.

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