EV insurance in Canada: why quotes run higher

National average across quoted premiums. Some luxury/comparable-trim EVs can insure cheaper than an equivalent gas model - this is a general market average, not a per-model guarantee.

Our cost calculator defaults to these Surex national figures so the 10-year total is not missing a large line item. Drag the insurance sliders to your own broker quotes - Teslas, ADAS-heavy crossovers, and urban postal codes move the number more than the national average implies.

Brokers and collision-repair reporting typically point to three cost drivers:

• Parts and body repair. Battery packs, sensors, and branded panels take longer to source. Labour rates at EV-capable shops are higher in many cities.
• ADAS recalibration. Cameras and radar after a windshield or bumper job add a shop line that gas cars of the same age often skip.
• Repair network concentration. Fewer certified shops can mean longer rentals and higher claimed severity, which feeds premiums.

None of that is a sourced per-model table - treat it as the industry explanation sitting behind the Surex average, not a prediction for a Hyundai Kona versus a Model Y.

• Cost calculatorInsurance is a labelled slider. Replace the Surex default with your quote.
• Used EV checklistQuote insurance before you transfer the ownership.
• Vehicle catalogueOpen a trim page, then price it with a real broker quote in the calculator.