Average annual premiums: $1,566. Sold only in California and Oregon, the 500e version of Fiat’s stylish and sporty subcompact coupe gets the lowest average insurance rates of any full-electric car for 2018, according to Insure.com. And that’s despite it having a higher sticker price – starting at $34,240 – than the costlier-to-insure Leaf, Focus, and Soul EVs. We suspect having a range of just 87 miles on a charge helps keep the number of miles driven annually down to an insurance-friendly level.