EVE Insurance Pays 3.33x On Every Ship. It Still Covers A Quarter.

I pulled the insurance payout for every insurable hull in EVE Online from CCP's own API, and priced the same hulls live at Jita. The payout-to-premium ratio is identical on every single ship: 3.33 times. No hull is a better deal than any other. What changes is cover. The median hull gets back 26.3% of its Jita price. Mining barges get most of it. Special editions like the Praxis and Gnosis get nothing at all. Only 31 of 313 priced hulls clear a sensible bar. Sources: ESI /insurance/prices/ and Fuzzwork Jita 4-4, both read on 29 Sept 2026. EveBoosters.com — market trading and PVP tools…