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The Cheapest Times to Charge an Electric Car Depend on Your Electricity Plan

There is no universal cheapest hour to charge an electric car. Find the low-cost window on your electricity plan and schedule charging around its terms.
From TheFinanceBase Team3 min to read
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The cheapest time to charge an electric car is the lowest-priced period on your electricity tariff—not automatically overnight. The hours vary by utility, plan, location, season, and day of the week. Check your current rate schedule, then use your car or home charger’s timer to charge during the applicable low-cost window.

Why there is no universal cheapest hour

Utilities set their own time-of-use schedules, and some offer special rates for EV owners. As a result, “charge at night” is not a reliable rule: some plans make daytime hours inexpensive, while others define off-peak as overnight. Your tariff may also change by season or distinguish weekdays from weekends and holidays.

These utility examples show how widely the schedules can differ. They are local illustrations, not recommendations for customers outside the named service area or plan. Check the utility’s current terms before relying on a schedule.

Utility and plan Published lower-cost window or guidance What to verify
PG&E EV2-A Midnight to 3 p.m. daily, including weekends and holidays. This schedule applies to EV2-A. Confirm current rates and eligibility. PG&E’s EV rate information
Southern California Edison TOU-D-PRIME SCE advises charging from 8 a.m. to 4 p.m.; its schedule identifies 4–9 p.m. as the highest-rate period. The schedule includes seasonal and weekday/weekend details. Check the current season and tariff. SCE’s TOU-D-PRIME information
Con Edison time-of-use option Off-peak: midnight to 8 a.m. This is an option described by Con Edison, not necessarily the default for every customer. Con Edison’s time-of-use information
Palo Alto Utilities Charge from 9 a.m. to 3 p.m. and avoid 4–9 p.m. peak hours. This is local municipal utility guidance. Palo Alto Utilities’ EV guidance
Mesa EV time-of-use rate Super-off-peak: 11 p.m. to 5 a.m. For eligible customers in Mesa’s service area. Mesa’s EV rate information

How to find your own cheapest charging window

  1. Identify your exact electricity plan. Check your bill or utility account for the provider and residential tariff name. A utility may offer several plans with different schedules and eligibility rules.
  2. Read the current rate schedule. Find the plan’s off-peak, super-off-peak, and peak windows. Note seasonal dates, weekday and weekend rules, eligibility requirements, fixed or daily charges, and whether the plan covers the whole home or a separate EV meter. PG&E, SCE, and other utilities publish plan-specific terms. PG&E, utility plan information, SCE
  3. Compare the whole bill, not just the EV rate. A time-of-use plan can change the price of electricity used throughout your home. Estimate likely monthly costs using your non-EV household use as well as charging, and include plan-specific charges. A low advertised EV price alone does not establish that a plan will lower your total bill.
  4. Schedule charging for the low-price period. Set the start time in your car or home charging station, and check that charging will not routinely continue into a more expensive window. PG&E says most EVs and home charging stations support programmed charging. PG&E’s scheduling guidance
  5. Recheck when your circumstances change. Review the tariff when your utility, residence, plan, or season changes; rates and schedules can be updated.

How to estimate the cost of a charge

A basic estimate is the energy added to the battery in kilowatt-hours multiplied by the price per kilowatt-hour that applies during charging. For example, use the applicable off-peak rate—not an average or advertised rate that does not match your plan. The Delaware DNREC home-charging guide notes that location and charging time affect cost and that an estimate needs the vehicle’s battery capacity and electricity rate. Actual bills can also reflect the broader household rate structure and plan charges. Delaware DNREC’s home-charging guide

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There is no supported national savings figure or universal cost-per-charge: both depend on how much energy you add and the current local rate. This method concerns home electricity tariffs; public charging prices are a separate matter.

Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Support on Ko-Fi

What to compare before switching plans

  • The lowest and highest per-kWh periods, including their hours and seasonal dates.
  • Weekday, weekend, and holiday schedules.
  • Whether EV enrollment, specific equipment, or a separate meter is required.
  • Whether the rate applies to the whole home or only EV charging.
  • Fixed or daily charges, along with the rates for other household use.
  • Whether you can shift other electricity use away from higher-priced periods.

Use the full tariff terms and your likely household usage to compare plans. If you only need scheduled charging, first check whether your vehicle already has a timer; a separate programmable home charger is not automatically necessary.

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  • PLUG IN, NO HARDWIRING: Level 2 charger delivers up to 40A to fully charge most EVs overnight. Plugs into a 240V, 4-prong NEMA 14-50 outlet (the RV/range type - NOT a dryer outlet) on a dedicated 50A circuit. The extra-long 25 ft cable easily reaches across a garage or driveway. Before ordering, check your car's port type and that you have the right outlet.
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  • Charge with Confidence: ChargePoint builds reliable, flexible EV charging stations for home, business, and fleets. Get 24/7 support and access to hundreds of thousands of North American charging locations
  • Charge Smart: With the user-friendly ChargePoint Mobile App, you can control your electric car charger, manage reminders, connect to smart home devices, find stations, get data and charging info, and access the latest features
  • Vast Network: Wherever you go, ChargePoint’s network includes 274k+ stations across North America and Europe and 565k+ roaming partner stations
  • Safe & Durable: Rely on this UL-certified EV charger for safe home charging. It can be installed indoors or outdoors by an electrician and includes a cold-resistant cable
  • Fast & Powerful: This EV charger charges 9× faster than a 120V outlet, delivering up to 45 mi/hr., dependent upon your vehicle. It features a J1772 connector for all non-Tesla EVs and plugs into a 240V outlet with a 14-50 receptacle, requiring a 40A or 50A circuit. For Tesla EVs, this will require an adapter

Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.

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