Tesla Insurance: by Model, Year & Company
Tesla insurance costs range from $183 to $550 per month, depending on your model, trim, and driving profile.
- Shopping around? Use our calculator below to compare average rates for Teslas and other vehicles.
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Tesla insurance costs: by company, cheapest, & most expensive models
Explore average insurance costs by model year for Tesla vehicles — and compare across other makes and insurers to find your best-fit rate
Average rate & cheapest companies
Average rate is $1,926 for a 6-month full coverage policy. Progressive, USAA, & American Family offer the cheapest rates.
Cheapest model
For Tesla vehicles, the Model Y is the cheapest model at $183/mo on average.
Most expensive model
For Tesla vehicles, the Model X is the most expensive model at $550/mo on average.
| Tesla Model | Average Annual Premium |
|---|---|
| Cybertruck | $4,156 |
| Model 3 | $3,153 |
| Model S | $4,032 |
| Model X | $4,529 |
| Model Y | $3,391 |
Compare Tesla insurance costs vs other vehicles
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Getting insurance through Tesla
Tesla offers insurance designed specifically for its vehicles. Because Tesla builds the cars, it can account for advanced safety features and technology — including Autopilot — when underwriting policies. Tesla says its goal is to lower the cost of ownership and improve the overall customer experience by using its understanding of vehicle technology and repair costs.
Available in: AZ, CA, CO, FL, IL, MD, MN, NV, OH, OR, TX, UT, VA
How Tesla Insurance works
- Insurance is purchased and managed directly through the Tesla app.
- Rates are based on common factors like where you live, how much you drive, and the coverage you select, and — outside of California — also reflects your Safety Score, which evaluates driving behaviors such as hard braking, aggressive turning, unsafe following, and forced Autopilot disengagement.
Unique Tesla coverage options
Tesla Insurance includes standard auto coverage along with a few Tesla-specific protections, including the Autonomous Vehicle Protection Package, which includes:
- Liability coverage for autonomous vehicle owners
- Wall charger coverage
- Electronic key replacement
- Identity fraud expense coverage
