Insurance by make
Tesla Car Insurance
Teslas carry higher premiums due to expensive parts, specialized repairs, and strong performance.
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Quick answer
Illustrative full-coverage insurance for a Tesla starts around $232 per month for a standard driver profile, varying by model, trim, year, location, and record. Compare quotes to see your actual price.
Tesla insurance cost by model
These illustrative monthly estimates assume a standard full-coverage profile. Your rate will differ.
| Model | Body type | Illustrative / mo | Details |
|---|---|---|---|
| Tesla Model 3 | Sedan (EV) | $267 | View Model 3 |
| Tesla Model Y | SUV (EV) | $278 | View Model Y |
| Tesla Model S | Sedan (EV) | $360 | View Model S |
| Tesla Model X | SUV (EV) | $371 | View Model X |
| Tesla Cybertruck | Truck (EV) | $394 | View Cybertruck |
| Tesla Model 3 Performance | Sedan (EV) | $313 | View Model 3 Performance |
| Tesla Model Y Performance | SUV (EV) | $325 | View Model Y Performance |
| Tesla Model S Plaid | Sedan (EV) | $429 | View Model S Plaid |
Estimated rates for illustration only — not a quote.
What affects your Tesla insurance rate
Beyond the model you choose, insurers weigh your age, location, driving history, annual mileage, credit (where allowed), and the coverage limits and deductibles you select. Safety features and anti-theft technology can help lower your premium.
How to save on Tesla insurance
The single best step is to compare quotes across insurers, since prices for the same vehicle can vary by hundreds of dollars. Also explore cheap car insurance strategies, full coverage trade-offs, and other vehicles.
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Tesla insurance FAQs
Tesla insurance costs depend on the specific model, trim, year, your location, driving record, and coverage level. On this page you can compare illustrative monthly figures by model. These are estimates for education only, not quotes.
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- Licensed in all 50 states
- No effect on credit score
- Free comparison
- Compare 120+ carriers