Insurance Information

Top Insurance Providers for the Wink Mark3 & High-End LSVs

The following insurance companies are well-known for covering street-legal Low-Speed Vehicles (LSVs) like the Wink Mark3.

1. The “Big Three” (Best for Bundling)

These companies have dedicated LSV / NEV departments. If you already have auto or home insurance with them, you may qualify for significant discounts.

  • GEICO – Known for affordability on “micro-car” style LSVs. Offers coverage specifically for lithium batteries, which is a major component of the Wink’s value.
  • Progressive – A leader in specialty insurance lines. Offers Total Loss Replacement coverage, which is important given the Wink’s higher MSRP. Liability-only policies may start around $75–$100 per year, with full coverage priced higher.
  • Safeco (Liberty Mutual) – Highly recommended for LSVs. Offers a “Limited Use” rate for vehicles driven under 5,000 miles per year, ideal for neighborhood commuting.

2. Specialty & Niche Insurers

These agencies specialize in electric neighborhood vehicles and often have a better understanding of enclosed LSVs like the Wink.

  • Thum Insurance – Specializes in Neighborhood Electric Vehicles (NEVs) and GEM-style cars. Known for ensuring street-legal documentation is correct so claims aren’t denied due to “off-road” technicalities.
  • Stratum Insurance – Offers LSV-specific policies that include roadside assistance, which is especially valuable for EV owners.
  • LSV Insurance (Agency) – A specialized broker that works with multiple carriers to find competitive rates for enclosed LSVs like the Wink.

3. Regional Favorites

  • State Farm – Ideal for customers who prefer working with a local agent. Many agents have developed LSV expertise as micro-EV adoption grows.
  • USAA – Available to military members and veterans. Frequently offers some of the lowest LSV rates, often starting around $50–$60 per month for full coverage.

Important: What to Tell Your Insurance Agent

Using the correct terminology ensures your Wink receives proper coverage. When requesting a quote, be sure to say:

  1. “It is a street-legal LSV, not a golf cart.”
    This prevents the vehicle from being incorrectly placed on a homeowners policy.
  2. “It has a 17-digit VIN.”
    Confirms it is recognized as a motor vehicle in insurance systems.
  3. “It is a unibody steel vehicle.”
    May help qualify for safety-related discounts compared to plastic-bodied carts.
  4. “Ask about an LFP battery endorsement.”
    Ensures the replacement cost of the Wink’s battery is fully covered.