The Brief

Electric vehicles offer many opportunities to save money: on gas, on oil changes, on engine maintenance. But, it turns out, insurance isn’t one of them. In fact, the latest data shows that EVs typically cost $3,159 per year to insure — nearly $1,000 more than gas-powered cars. It’s an added burden that could make the payback period on EVs significantly longer.

On average, the insurance gap between electric and internal combustion engine, or ICE, vehicles was 42%, according to a report released by the insurance-comparison marketplace Insurify. But it varies drastically by state and model. The most expensive locale was Washington, D.C., where coverage cost $6,394 versus $4,124 for ICE cars. Maine was the cheapest at $1,476, just $184 more than a conventional car. The difference was most pronounced in Rhode Island, which has a 73% spread.

Generally speaking, luxury brands like Tesla, Mercedes-Benz, and Audi are particularly expensive to insure, with premiums on many models topping $4,000. Volvo, Chevrolet, Ford, and Hyundai offer cars at the lower end of the spectrum. Insurify wouldn’t disclose which insurers had the most expensive rates, but did say Lemonade, Root, and GEICO offered the most affordable EV coverage.

“Insurers were charging those higher premiums to balance their risks,” said Julia Taliesin, an economic analyst and insurance agent at Insurify, who wrote the report. It is based on more than 235 million quotes in Insurify’s proprietary database. Seven states — Alaska, Hawai‘i, North Dakota, New Hampshire, South Dakota, Vermont, and Wyoming — are excluded due to lower quoting volume. But high insurance expenses means it can take more driving before an EV pays for itself through lower fuel and operating costs. Even if electricity were free and gas stays at $4 per gallon it translates to at least 5,800 more miles a year compared to a car that gets 25 mpg.

A primary reason for the disparity is that EVs cost more to fix.

“We do see that there is a delta in the cost of repair for electric vehicles compared to ICE,” said Ryan Mandell, a vice president of strategy and market intelligence at Mitchell, a company which provides data and software related to car repairs. He pegs the difference at about 15%, noting that batteries are relatively expensive to fix and for mechanics to work around and that EVs have complicated electronics. But there are more fundamental factors as well, like the lack of an engine.

Mandell gave the Ford F-150 as an example. From 2022 to 2025 an electric version of the pickup truck, called the Lightning, was available alongside gas-only and hybrid versions. When Mitchell subjected the gasoline and EV models to a front-end crash test the engine in the traditional model actually absorbed quite a bit of the impact. Because it doesn’t have that additional structure, Ford designed the Lightning with additional reinforcement that cost around 30% more to fix.

“The Lightning had more crash parts on the front of the vehicle,” said Mandell. He also noted that Ford requires removing the battery before doing any work, which increases labor costs. “It adds up.”

Repair costs, however, are not the only factor insurers consider. Insurify’s data showed insurance rates for the two trucks are roughly the same, which Taliesin said suggests driver demographics and behavior play a role, too. “One of the most significant is personal driving history and credit history,” she said. Given the Lightning’s much higher cost, the credit scores of owners could potentially be higher. And Insurify’s data shows that the ticket and accident rates for Lightning drivers are about half that of traditional F-150s.

“Factors like climate risk, vehicle theft rates, population density, insurance regulation, repair infrastructure, and EV adoption levels contribute to regional cost differences,” the Insurify report stated. In several states it cited climate-driven extreme weather, such as hurricanes and flooding, as drivers of high costs.

This EV insurance story isn’t unique to the United States. In 2024, BloombergNEF found about the same spread in the United Kingdom and Germany. France saw double the disparity. Overall, though, American EV owners still paid 87% more for insurance than Europeans.

“Several model-specific factors have driven the wider cost gaps in the large and SUV segments,” said Aleksandra O’Donovan, head of electrified transport at BloombergNEF, pointing to the Tesla Model Y as a particularly extreme example. “[The U.S. price] is nearly triple the insurance rate for the same vehicle in Germany.”

From 2023 to 2025, the EV insurance gap in the U.S. grew from 29% to 49%. But this year, it came down slightly, which Taliesin said is among a few good signs for EV drivers. Another is that the disparity among cars made in the last two years was only 18 percent — compared 42% across all years.

That drop is partly because auto insurance prices fell across the board in the last year. But Taliesin also said that ICE cars are catching up to EVs in terms of how complicated and expensive they are to fix. The cost of EV batteries is also trending downward, too. As EV sales have grown, there is more data for companies to base their prices on and more incentive for them to court EV owners.

”We’ve been seeing a ton of insurance-shopping behavior as insurers have been dropping their rates to compete for business,” said Taliesin, who is bullish for consumers. “That’s definitely a welcome reprieve.”

This article originally appeared in Grist at https://grist.org/transportation/the-hidden-cost-of-owning-an-ev-expensive-insurance/.

Grist is a nonprofit, independent media organization dedicated to telling stories of climate solutions and a just future. Learn more at Grist.org

Democratic Sen. Chris Van Hollen of Maryland said Thursday that he will run for Senate Majority Leader in the next Congress, setting up a challenge to Democratic Leader Chuck Schumer after the party swept to power in the midterm elections.

Van Hollen said in a statement that “the American people called for change” and that is why he is running.

“It’s now on us to meet this moment, and to do that we need new leadership,” Van Hollen said. “This is not about any one person — it’s about answering the call of the American people. That is why I’m running for Senate Majority Leader.”

Van Hollen’s challenge comes after he said he was considering a bid and after Schumer has said he has the necessary support to win. The closed-door, secret-ballot election will be held in early December.

The race will be the first contested election for Democratic leader in decades. The question of whether to reelect Schumer has already divided the caucus and many senators will not say publicly how they will vote. They have privately deliberated about what message to take from the election, and Schumer recruited many of the party’s winning candidates and raised money for them.

Schumer has been talking to Democratic senators since the election about forming an agenda for 2027.

“I’m going to win it,” Schumer told The Associated Press in an interview last week.

The Los Angeles Unified School District may lease spaces in its elementary, middle and high schools to use as childcare spaces for babies. 

The district is putting together a list of qualified providers and looking to identify spaces it could lease.

Ranae Amezquita, executive director of the district’s early childhood education division, said once the district has a list of spaces, it will start a request for proposal process that childcare providers can apply to during the 2027-2028 school year.

Why is LAUSD looking to expand childcare options now?

In April, LAUSD board members passed a resolution in an aim to expand childcare and early education slots in the district.

The district currently runs about 90 preschools, called early education centers, for children 2 to 4 years old, but it has only four centers that serve children under 2. “The problem with infant care — the reason we can't open them ourself at this time, is because of the cost,” said Amezquita at a board meeting Thursday.

The need for local infant and toddler childcare is high. In 2022, L.A. County assessed that the county only had enough licensed spaces to care for 4% of kids under 2. At the same time, the district has been facing declining enrollment amid lower birth rates. The resolution to expand early childhood care aims to, in part, strengthen the enrollment pipeline into the district.

Learn more about affordable childcare in LA

• For many California parents, paying for childcare means racking up credit card debt
• Why childcare in California may get harder to find

In an extraordinary turn of events, the state’s judicial watchdog has removed Judge Robert Draper, 84, from the Los Angeles County Superior Court after 14 years of service. He faced several counts of misconduct prior to losing reelection earlier this year.

The California Commission on Judicial Performance concluded Tuesday in an 87-page decision that Draper engaged in 17 instances of behavior that made him no longer fit for office. He hasn’t heard a case since 2023 because of the issues.

“Judge Draper persistently violated the standards governing judicial behavior and engaged in extensive and severe misconduct,” the commission said in a statement, adding that it was “aggravated by his refusal to accept responsibility for his misconduct, and his lack of insight or remorse for his misconduct and its effect on others.”

Draper previously admitted to some of the claims and denied others in interviews with LAist earlier this year. In a statement this week, he called the decision “deeply disappointing.”

“Any individual put under such intense and meticulous scrutiny likely would find themselves in a similar situation, albeit with slightly different facts,” he said.

Draper said the investigation came at a time when he raised concerns within the judiciary, and that it was used “presumably for purposes of dismissing his dissent by discrediting him.”

He plans to pursue “other avenues” to change the system, according to the statement. Draper's attorney declined to share what those would be.

 “It’s very rare for a judge to be removed from the bench,” said Laurie Levenson, a professor at Loyola Law School. “It’s the ultimate sanction against a judge.”

The commission has only removed 15 judges since it gained the authority to do so in 1995, according to its records, with the last for an L.A. County Superior Court judge happening in 2006.

The misconduct

The decision comes after a yearslong investigation and legal proceedings with independent evaluators. Prior to that, Draper had never been disciplined. According to the commission, his long list of misconduct includes:

• Making “offensive” and “insensitive” comments in court about race and gender.
• Sending “abusive” emails and unnecessary graphic pictures of his naked backside to colleagues.
• Acting with “deliberate defiance of his presiding judge’s orders” by continuing to access court systems and work on cases while on involuntary leave.

Some allegations the commission reviewed were dismissed for lack of evidence, including one that he inappropriately touched an attorney’s hair.

What happens next

While Draper lost reelection, his seat is now empty sooner than usual. Judge-elect Tal Khan Valbuena is on deck to replace him in January.

It’s possible Gov. Gavin Newsom may decide to appoint Khan Valbuena sooner. The court could also move another judge into his department.