Insurance
Top providers for the Mark3 & high-end LSVs.
The carriers below are well known for covering street-legal Low-Speed Vehicles (LSVs) like the Wink Mark3. Wink doesn't sell or underwrite insurance — these are independent companies, and rates below are examples, not quotes. Get a current quote directly from the carrier.
The Wink Mark3 is a federally classified Low-Speed Vehicle. Street legal in most states on roads posted 35 mph or less. Not street legal on public roads in New York. Some states restrict or do not permit LSVs — always check your state and local laws.
1. The “Big Three”
Best for bundling.
These companies have dedicated LSV / NEV departments. If you already have auto or home insurance with one, you may qualify for a discount.
GEICO
Known for affordability on “micro-car” style LSVs. Offers coverage specifically for lithium batteries, a major component of the Wink's value.
Progressive
A leader in specialty insurance lines. Offers Total Loss Replacement coverage, which matters given the Wink's higher MSRP. Example liability-only quotes 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
They know enclosed LSVs.
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 making sure street-legal documentation is correct so claims aren't denied on an “off-road” technicality.
Stratum Insurance
Offers LSV-specific policies that include roadside assistance — especially valuable for EV owners.
LSV Insurance (Agency)
A specialized broker that shops multiple carriers to find competitive rates for enclosed LSVs like the Wink.
3. Regional favorites
Familiar names, local agents.
State Farm
Ideal if you'd rather work with a local agent. Many agents have developed LSV expertise as micro-EV adoption grows.
USAA
Available to military members and veterans. Frequently cited for some of the lowest LSV rates, often starting around $50–$60 per month for full coverage.
Before you call
What to tell your agent.
Using the correct terminology ensures your Wink gets proper coverage. When requesting a quote, be sure to say:
“It is a street-legal LSV, not a golf cart.” This keeps the vehicle from being incorrectly placed on a homeowners policy.
“It has a 17-digit VIN.” Confirms it is recognized as a motor vehicle in insurance systems.
“It is a unibody steel vehicle.” May help qualify for safety-related discounts compared to plastic-bodied carts.
“Ask about an LFP battery endorsement.” Ensures the replacement cost of the Wink's battery is fully covered.
A quick disclaimer
This list is informational, not a recommendation or an insurance quote. Wink Motors has no business relationship with the companies above; carriers, coverage, and rates change, so confirm current terms and pricing directly with them.
Questions about your Wink’s specs or documentation for an insurer? inquiries@winkmotors.com.