Calculator
Insurance cost.
A personalized estimate based on your driving profile, location, and chosen coverage.
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Factors
What shapes your premium.
Location
State, city density, and local accident/theft rates all factor into base rates.
Driving record
Clean record discounts are significant. Recent at-fault incidents raise rates for 3–5 years.
Coverage level
Liability, collision, comprehensive, and deductible levels directly move the premium.
FAQ
Insurance questions.
How much does Tesla insurance cost?
A 35-year-old with a clean record and standard coverage typically pays $2,500–$4,500 a year to insure a Model 3 or Model Y, more than a comparable gas car because repairs and glass are pricier. Young drivers and urban states push it well above that. This tool estimates the range; only a quote is a price.
Is Tesla Insurance cheaper?
Often, for careful drivers. Tesla Insurance, available in a limited set of states, prices monthly on the car's Safety Score rather than on credit or history, so a high score can undercut traditional carriers. Compare a Tesla Insurance quote in the app with two conventional quotes before delivery.
Why is a Model Y more expensive to insure than a Model 3?
Higher purchase price, higher average claim cost and, on Performance trims, higher accident frequency. Trim level matters too: insurers rate a Performance well above a Standard.