If you’re looking at a Chevy Blazer EV, you’re probably already doing the mental math: payment, charging, maintenance, and then the wild card, insurance cost. Electric SUVs are still new territory for a lot of insurers, and that can make premiums feel higher and harder to predict. This guide breaks down what drivers are really paying to insure a Blazer EV in 2025, why it costs what it does, and how to keep those numbers under control, especially if you’re shopping used.
Quick takeaway
Chevy Blazer EV insurance cost at a glance
Chevy Blazer EV insurance by the numbers
Averages are just a starting point
How much does it cost to insure a Chevy Blazer EV?
Let’s start with the big question: what does a typical driver pay to insure a Chevy Blazer EV? Insurance.com’s 2025 SUV data pegs the average full‑coverage premium for the Blazer EV at about $2,890 per year, or roughly $241 per month for a 40‑year‑old driver with a clean record and good credit. That puts it a bit above the average small–midsize SUV and higher than the U.S. overall auto‑insurance average for 2025.
Kelley Blue Book’s five‑year cost‑to‑own model for the 2025 Chevrolet Blazer EV paints a similar picture but with a different driver profile. Their sample shows about $17,705 in insurance over five years, that’s roughly $3,541 per year baked into the ownership math. Think of that as an upper‑mid‑range estimate for a newer EV SUV with robust coverage in a typical U.S. market.
- Average quote data: ~$2,890/year or $241/month for full coverage on a Blazer EV in 2025.
- Cost‑to‑own model: roughly $3,500/year for a 2025 Blazer EV with full coverage in one sample scenario.
- National context: overall U.S. full‑coverage car insurance averages around $2,400–$2,500 per year, so the Blazer EV usually sits above the middle of the pack.
How to sanity‑check your quote
Blazer EV insurance vs gas Chevy Blazer and other SUVs
If you’re cross‑shopping a Blazer EV against a gas‑powered Chevy Blazer, or against other electric SUVs, insurance cost can be the tipping point. The gas Blazer is already a mid‑priced SUV to insure, averaging about $2,310 per year for the 2024 model with full coverage. The Blazer EV comes in higher at roughly $2,890, which lines up with what we see across many EVs: strong safety tech but expensive parts and repairs.
Chevy Blazer EV insurance vs similar SUVs
Approximate 2025 full‑coverage averages for a 40‑year‑old driver with a clean record and good credit.
| Vehicle | Type | Avg. annual premium | Avg. monthly premium |
|---|---|---|---|
| Chevy Blazer EV | Electric SUV | $2,890 | $241 |
| Chevy Blazer (gas, 2024) | Gas SUV | $2,310 | $192 |
| Hyundai Ioniq 5 | Electric SUV | $2,721 | $227 |
| Kia EV6 | Electric SUV | $2,850 | $238 |
| Audi Q4 e‑tron | Electric SUV | $2,711 | $226 |
| Hyundai Kona Electric | Electric SUV | $2,276 | $190 |
Numbers are national averages; your own premium will vary by state, insurer, and coverage choices.
How the Blazer EV stacks up
Why EVs like the Blazer EV often cost more to insure
On paper, EVs should be an insurer’s dream: instant torque, yes, but also advanced driver‑assist tech, strong crash performance, and no engine to leak oil all over the highway. Yet in 2025, EV insurance premiums still run about 23–27% higher than comparable gas vehicles on average. The Chevy Blazer EV fits right into that pattern.
Four reasons Blazer EV insurance can run high
None of them are your fault, but you can work around some of them.
Costly battery & body repairs
The Blazer EV’s battery pack and high‑voltage components are expensive, and repairs often require EV‑certified shops. Even relatively minor collisions can mean specialized labor and longer repair times.
Advanced tech, advanced bills
From sensors in the bumpers to cameras in the windshield, ADAS hardware isn’t cheap. Replacing or recalibrating it after a fender‑bender pushes claim costs up.
Longer time in the shop
Industry data shows EV repairs can take longer to schedule and complete than gas‑car repairs. Longer repairs mean more rental‑car time, another line on the insurer’s bill.
Limited long‑term data
Insurers don’t yet have decades of loss history on the Blazer EV. When there’s uncertainty, companies tend to price in a cushion until the data matures.
The upside: safety helps
10 factors that change your Blazer EV insurance premium
You’ll see national averages in every article like this one, but your Chevy Blazer EV insurance cost is built from your personal details. These are the levers that matter most, and the ones you can actually influence.
Don’t chase the rock‑bottom quote
Ways to lower your Chevy Blazer EV insurance cost
You can’t change the fact that the Blazer EV is a high‑tech electric SUV that costs real money to repair. But you can absolutely influence what you pay to insure it. Think of it as a game of small edges: stack enough of them and your annual premium starts to come down to earth.
Practical strategies to save on Blazer EV insurance
Mix and match the ones that fit your life, no gimmicks required.
Shop multiple quotes
Pricing for the Blazer EV is still all over the map. Get at least three quotes with the same limits and deductibles before you commit. Online comparison tools make this painless.
Right‑size your coverage
If you’re financing or leasing, you’ll need full coverage. Beyond that, review your liability limits and extras like rental and roadside to be sure you’re not over‑ or under‑buying.
Use telematics & safe‑driver programs
Many insurers offer usage‑based discounts if you’re willing to let an app track your driving. Smooth, low‑mileage EV drivers can save meaningful money here.
Adjust deductibles carefully
Raising your comprehensive and collision deductibles from $500 to $1,000 can trim your premium. Just be sure you can comfortably cover the higher out‑of‑pocket if you file a claim.
Bundle home & auto
If you own a home or condo, bundling your Blazer EV policy with property coverage can unlock multi‑policy discounts that last for years.
Keep the record clean
Tickets and small at‑fault crashes are premium poison. Using the Blazer EV’s driver‑assist features and setting cruise control on long drives can help you stay out of trouble.
Plan insurance before you buy
Use ownership costs to choose the right Blazer EV
When you’re buying used, insurance is just one slice of the pie. Payment, taxes, charging, maintenance, and battery health all matter. At Recharged, every vehicle comes with a Recharged Score Report that shows verified battery health and fair market pricing, so you can balance upfront cost, long‑term value, and the insurance bill you’re about to take on.
Financing and trade‑ins that fit the full picture
If you finance a Blazer EV through Recharged or trade in an older vehicle, our EV‑specialist team can help you estimate total monthly ownership cost, including a realistic insurance range, before you commit. You can shop entirely online or visit our Experience Center in Richmond, VA for one‑on‑one help.
Insurance tips if you’re buying a used Blazer EV
Used EVs are where the math gets interesting. A used Blazer EV can be dramatically cheaper to buy than a brand‑new one, but that doesn’t always translate into a dramatically lower insurance bill, especially in the first few years.
- Depreciation helps, but slowly. Insurers care more about what it would cost to repair or replace your specific vehicle today than what it cost new. A two‑ or three‑year‑old Blazer EV may be only modestly cheaper to insure than a new one.
- Trim and options still matter. A well‑optioned RS with big wheels and fancy lighting can still be pricier to fix than a simpler trim, even in the used market.
- Battery health matters to you, not your insurer. Insurers don’t rate policies directly on battery degradation, but a healthy pack is critical for your long‑term ownership costs and resale value. That’s where a battery health report, like the Recharged Score, earns its keep.
- Usage might change. Many shoppers buy a used Blazer EV as a second car or shorter‑commute vehicle. Lower annual miles can qualify you for better pricing with some insurers.
Smart used‑Blazer EV checklist
Chevy Blazer EV insurance FAQ
Frequently asked questions about Blazer EV insurance
Bottom line: budgeting for Blazer EV insurance
The Chevy Blazer EV brings a lot to the table: bold styling, modern tech, and the instant torque that makes EVs so addictive around town. The tradeoff is that insuring one costs more than a typical gas SUV, and usually more than the gas‑powered Chevy Blazer itself. With national averages hovering in the high‑$2,000s, and some ownership calculators landing in the mid‑$3,000s per year, it’s a line item you can’t afford to guess at.
Run real quotes early, compare at least a few insurers, and play with deductibles and coverage limits until you find the sweet spot between protection and price. If you’re shopping used, pair those quotes with a solid battery‑health check and clear pricing, like the reports included with every vehicle on Recharged, so you can judge the Blazer EV against everything else on your shortlist. Do that, and you’ll walk into ownership with your eyes open, your budget intact, and no surprises when the first insurance bill hits your inbox.
