EV insurance in North Carolina 
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What you need to 
know about the 80% 
rule
Exploring the Impact of the 80% 
Charge Rule on Lithium-ion Battery 
Performance and Lifespan
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Applying the 80% 
Rule to Manage  
Battery Stress
“Cycle life” also influences a  battery’s lifespan. 
This term refers to the number of full charge-
discharge cycles a  battery can undergo before 
its capacity decreases significantly. Each cycle 
slightly degrades the battery, reducing its total 
capacity.
We can minimize this degradation by limiting the 
charge to around 80%. Understanding battery 
health and longevity is especially important for 
EV owners considering EV insurance in North 
Carolina, where long-term performance and 
reliability can impact coverage needs and 
vehicle value.
Mitigating Heat 
Generation and 
Ensuring Battery 
Balancing
Charging your EV battery generates heat, 
especially near full or empty levels. Excess heat 
can damage the battery and nearby 
components. By charging only up to 80%, you 
reduce heat buildup, protecting the battery and 
extending its lifespan.
Battery balancing is also key. EV batteries contain 
many individual cells that must stay evenly 
charged. Charging to 100% can throw this balance 
off, hurting performance and longevity. Sticking to 
the 80% rule helps maintain cell balance, 
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improving efficiency and battery health over time.
Maintaining an 
80% Charge 
Level
Maintaining your EV battery at around an 
80% charge level may seem a bit complex if 
you’re new to the concept, but it can be 
quite straightforward with a little know-how.
Monitor Your Charging 
Set a  Charging  Limit 
Use a  Smart Charger
Understand Your EV’s 
Charging  Settings
Implementing the 
80% Rule and 
Maximizing Battery 
Longevity
Think of a  parking lot with 100 spaces. When 
every space is filled, it becomes difficult for 
cars to maneuver, park, or leave the lot 
efficiently. The lack of open spaces leads to 
congestion and inconvenience. Similarly, if 
you consistently charge an EV battery to 
100%, there’s no room for the battery to 
efficiently manage energy flow and thermal 
dynamics, which can increase wear and tear 
over time.
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