Fisker Insurance Cost
Across 2 Fisker models, full coverage averages about $1,360 a year by our estimate — −14% versus the average vehicle ($1,590).
Fisker insurance profile
Fisker’s lineup is made up mostly of 1 midsize suv and 1 subcompact car.
Every Fisker model ranked by insurance cost
What makes Fisker insurance cost more or less
- EV batteries: 1 electric model — battery packs and high-voltage components are costly to repair or replace after a crash.
- Segment mix: 1 midsize suv, 1 subcompact car.
Average Fisker insurance cost by state
Average full-coverage estimate across current Fisker models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $998 | −27% |
| North Dakota | $1,005 | −26% |
| Vermont | $1,020 | −25% |
| Idaho | $1,063 | −22% |
| Iowa | $1,063 | −22% |
| Wisconsin | $1,070 | −21% |
| Hawaii | $1,080 | −21% |
| Indiana | $1,113 | −18% |
| New Hampshire | $1,115 | −18% |
| Ohio | $1,118 | −18% |
| North Carolina | $1,170 | −14% |
| South Dakota | $1,198 | −12% |
| Wyoming | $1,223 | −10% |
| Kansas | $1,250 | −8% |
| Montana | $1,250 | −8% |
| Nebraska | $1,253 | −8% |
| Tennessee | $1,303 | −4% |
| Minnesota | $1,305 | −4% |
| West Virginia | $1,308 | −4% |
| Kentucky | $1,315 | −3% |
| Virginia | $1,345 | −1% |
| Illinois | $1,358 | 0% |
| Alabama | $1,363 | 0% |
| Washington | $1,363 | 0% |
| Pennsylvania | $1,370 | +1% |
| Alaska | $1,373 | +1% |
| Arkansas | $1,380 | +1% |
| Oregon | $1,403 | +3% |
| New Mexico | $1,405 | +3% |
| Oklahoma | $1,410 | +4% |
| Utah | $1,418 | +4% |
| Missouri | $1,420 | +4% |
| Mississippi | $1,495 | +10% |
| California | $1,540 | +13% |
| Massachusetts | $1,540 | +13% |
| Arizona | $1,640 | +21% |
| Connecticut | $1,660 | +22% |
| South Carolina | $1,670 | +23% |
| Michigan | $1,708 | +26% |
| Delaware | $1,743 | +28% |
| Maryland | $1,755 | +29% |
| Colorado | $1,773 | +30% |
| Nevada | $1,793 | +32% |
| Texas | $1,853 | +36% |
| New Jersey | $1,883 | +38% |
| Rhode Island | $1,888 | +39% |
| Georgia | $1,933 | +42% |
| District of Columbia | $1,975 | +45% |
| New York | $2,095 | +54% |
| Louisiana | $2,165 | +59% |
| Florida | $2,228 | +64% |
Frequently asked questions
How much does it cost to insure a Fisker?
Across 2 current Fisker models, our full-coverage estimate averages $1,360 a year for a driver in their 30s with a clean record, 14% less than the average vehicle ($1,590).
What is the cheapest Fisker to insure?
The Fisker Karma has the lowest estimate at about $1,220 a year for full coverage; the Fisker Ocean is the most expensive at about $1,500.
Where is it cheapest to insure a Fisker?
By our estimates, Maine is the cheapest state (about $998 a year on average across current models) and Florida the most expensive (about $2,228).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.