Here are the top 10 most affordable EVs and hybrids to insure for 2026. Top 10 most affordable EVs and hybrids to insure in 2026With drivers increasingly seeking more efficient options, Mercury Insurance is making it easier to compare and view the ongoing costs of owning an electric or hybrid vehicle. Hybrids accounted for eight of the top 10, while two Chevrolet electric vehicles made the list. Mercury Insurance’s research team analyzed insurance costs for new hybrid and electric vehicles for model years 2025 to 2027. The cost to insure EVs and hybrids is influenced by many of the same factors as traditional gas-powered cars, including repair costs, replacement parts, safety technology, and historical claims.