+120 more*These quotes are from Compare.com users within the last 10 days. Updated on July 30, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on July 30, 2026
)
)
)
)
)
)
Licensed property and casualty insurance agent
NPN: 21630969
Updated
Tesla cars often cost more to insure than other vehicles because Tesla repairs usually involve expensive parts and specialized labor.
Liability car insurance for Tesla vehicles costs an average of $156 per month. Full coverage averages $343 per month.
Comparing quotes and asking about electric vehicle (EV) discounts can help you get cheaper rates. You can also check if the company offers the Tesla Insurance program in your area.
Tesla car insurance costs more than coverage for other vehicles, partly due to their higher repair costs.[1] Tesla vehicles are so expensive to repair that insurers sometimes declare them totaled after minor damage.[2] Not only are the parts expensive, but Tesla cars often need specialized repairs, which increases insurance costs.
Here’s an overview of the average Tesla car insurance premium compared to the national average for all vehicles, according to data from Compare.com.
Cost Comparison | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Cost to insure a Tesla | $156 | $343 |
| National average cost | $114 | $210 |
Tesla car insurance costs an average of $156 per month for liability coverage and $343 for full coverage. That’s significantly more than the national averages for all vehicles.
That said, rates can vary depending on many factors, including insurer, location, driving record, and Tesla model.
Find the coverage you need for your EV and the best price.
Some Tesla models cost more to insure than others. For example, the Cybertruck’s rates are more expensive than the Model Y. That’s partly due to the Cybertruck’s higher value, curb weight, and horsepower.
Many other factors also affect Tesla rates. Premiums can vary due to insurance claim rates and average claim costs for each model. Models with lower values, claim costs, and claim rates typically cost less to insure.
The table below shows average costs for liability-only and full-coverage car insurance policies by Tesla model, according to Compare.com data.
Tesla Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Cybertruck | $197 | $369 |
| Model 3 | $161 | $357 |
| Model S | $127 | $311 |
| Model X | $138 | $353 |
| Model Y | $158 | $332 |
The average Tesla liability car insurance premium costs $156 per month, well over the national average of $114. That said, costs vary significantly depending on the model, its trim level, and its age. Insurance companies use claim data to predict the likelihood and cost of claims.
The following table gives an overview of factors that affect Tesla car insurance.
Factor | Effect on Insurance |
|---|---|
| Repair costs | High |
| Claim costs | High |
| Claim severity | High |
| Limited repair network | Moderate |
| High replacement cost | High |
Repair costs have a major influence on insurance costs, specifically collision and comprehensive premiums. Higher repair costs generally increase premiums, even for models with fewer accidents. Teslas have higher repair costs thanks to a combination of factors, including a limited repair network, proprietary parts, and a lack of modular construction.
For example, the Tesla battery is one of the most expensive components in an EV. Batteries in many Tesla vehicles aren’t modular or repairable, making higher-cost replacements the only option.
Tesla vehicles come with features that set them apart from the competition, many of which enhance safety.[3] But advanced driver assistance systems (ADAS) often require recalibrating cameras and sensors, making repairs more expensive. Anything that raises repair costs usually also increases insurance rates.
ADAS repair can add 38% to the total after an accident, according to AAA.[4] Even minor damage to ADAS can cost more than $1,500. Repairs for cars with multiple ADAS, like Tesla vehicles, can certainly add up.
Other advanced features, like touch-screen monitors and multiple cameras, also increase repair costs after an accident.
Car insurance companies use the term “claim severity” to indicate the total cost of a claim. Insurers consider claims with higher total costs to be more severe.
Your Tesla model can increase claim severity in two ways. Models with higher repair costs for similar levels of damage typically cost more to insure. Tesla models that cause more-than-average property damage also have more expensive rates.
Larger vehicles and vehicles going at high speeds can increase property damage. The average curb weight of a vehicle in the U.S. is around 4,000 pounds.[5] That’s slightly lower than the curb weight of the lightest trim packages on the lightest Tesla models.
Higher speeds also increase accident severity. That typically means higher rates for cars with more horsepower. With most models capable of going from zero to 60 in four seconds or less, Tesla vehicles certainly fit this category.
Tesla drivers can get their vehicles repaired at Tesla-operated service centers or from a small network of approved service centers. That limits repair options after an accident. Coupled with Tesla’s lagging ability to scale its service centers, it’s understandable why so many drivers report long wait times for repairs.
Longer waits for repair work can increase rental car coverage, increasing a claim’s total cost. Advanced vehicles also require technicians with more experience or specialized training, which can increase labor costs.
That said, the problem isn’t unique to Tesla. Other newer, luxury EVs have similar repair hurdles.
A vehicle’s value also plays a major role in determining car insurance premiums. Your car’s value is the maximum amount an insurer will pay out for comprehensive or collision coverage claims. The higher the value, the higher the payout, and the more you’ll pay for insurance.
With these higher repair costs and other obstacles, insurers often declare Tesla vehicles a total loss, even after minor damage. When minor damage can total a vehicle, it dramatically increases the level of risk an insurer takes on when writing a policy. Any time an insurance company’s risk goes up, the insurer raises premiums to compensate.
)
Repair costs are one of the most significant factors in Tesla car insurance rates. But insurers use many factors to price your policy, including:
Model and trim: Models with higher price tags, performance, or trim levels increase rates. For example, the Tesla Model X Plaid usually costs more to insure than the base trim.
Location: Your location, including your state and ZIP code, also affects your rates. Dense cities with higher claim rates typically pay more for coverage than more rural areas with fewer people on the road.
Driving record: Your driving history plays a major role in your premium. Drivers with clean records usually pay much less for insurance than people with less-than-perfect records.
Personal details: Most states allow insurers to use your age, gender, credit history, and marital status to determine premiums.
Vehicle use: Your annual mileage and how you use your car also affect rates.
Coverage level: Higher coverage levels and additional coverages typically increase premiums.
Compare quotes from top insurers and save money in minutes.
Tesla vehicles often cost more to insure than many other EV models, according to Compare.com data. The higher price reflects more expensive and complex repairs and higher-than-average claim severity.
Expensive batteries can drive insurance costs up across the board for electric vehicles. But that doesn’t mean EV car insurance is more expensive in general. Some vehicles have much lower premiums.
This table shows average premiums for popular EV models, based on Compare.com data.
Vehicle Make and Model | Average Monthly Premium |
|---|---|
| Tesla Model Y | $245 |
| Tesla Cybertruck | $283 |
| Chevrolet Bolt | $158 |
| Ford Mustang Mach-E | $208 |
| Honda Prologue | $207 |
| Hummer EV | $225 |
| Hyundai Ioniq 5 | $197 |
| Jaguar E-Pace | $189 |
| Kia EV6 | $199 |
| Nissan Leaf | $170 |
Here are some tested strategies to reduce your Tesla car insurance premiums.
Compare quotes. Get quotes from multiple insurers to find the best price for your coverage. It’s a good idea to compare rates at every policy renewal.
Increase your deductible. Higher deductibles can lower your premium. But make sure you can afford the out-of-pocket expense if you file a claim.
Bundle policies. Many insurers offer multi-policy discounts that can dramatically lower your premiums.
Maintain a clean driving record. Good drivers with clean records typically pay lower rates. Many companies also offer safe driving discounts.
Ask about EV-specific discounts. Some insurance companies offer discounts for electric cars.
Maintain good credit. Drivers with poor credit pay significantly more than drivers with good credit. Good personal finance habits can go a long way in saving you money.
Explore Tesla Insurance. If Tesla offers it in your area, Tesla Insurance may offer you the best value.
Avoid unnecessary performance upgrades. Opting for a lower trim level can reduce your premiums without sacrificing the Tesla driving experience.
Tesla offers car insurance in many U.S. states. Tesla prices car insurance coverage based on your driving habits and how often you drive. The company tracks driving and uses a Safety Score to determine premiums. It’s similar to usage-based insurance and telematics programs. The company also has a separate California insurance program that doesn’t use your Safety Score to price premiums.
That said, you’ll find the expected coverage options — liability, collision, comprehensive, rental car, roadside assistance, gap insurance — plus discounts. Coverage options and discounts vary by state.
Some drivers will get cheaper premiums with Tesla’s insurance policies, especially those with low annual mileage and safe driving habits. Coverage is available in 15 states, including:
Below, we answer some of the most common questions from drivers about Tesla car insurance costs.
Tesla rates have gone up recently, but so have auto insurance costs in general. That said, Tesla repairs often involve expensive parts and specialized labor that increase claim payouts and raise insurance premiums.
Yes. Liability-only insurance for Tesla vehicles averages $156 per month, compared to $114 for all vehicles, according to Compare.com data. That said, your rates may vary based on factors such as your age, ZIP code, and driving record.
The average Tesla policy costs $156 per month in 2026, according to Compare.com rate data. That said, many factors can affect the rate you actually pay, including your location, age, Tesla model, trim level, and driving record.
USAA has the cheapest Tesla insurance, with liability rates averaging $98 per month, according to Compare.com data. State Farm also offers affordable coverage, at an average of $105 per month.
Model Y insurance tends to cost less than that of other Tesla models. But Model Y vehicles still have the same issues that push up Tesla insurance costs. High repair costs and more severe claims increase car insurance rates for Tesla vehicles.
Even though the Model 3 is Tesla’s cheapest vehicle, it has some of the highest average rates. Tesla premiums tend to be more expensive because repairs involve specialized parts, advanced electronics, and camera or sensor calibration. More complex repairs usually increase insurance rates.
Yes, except in California. Tesla Insurance uses your Safety Score to price premiums. Your Tesla calculates your Safety Score based on your driving habits, miles driven, address, coverage selections, and Full Self-Driving (FSD) Supervised use. California forbids using your Safety Score to determine your rates.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
)
)
)
)
)
)
)
)
)
Licensed property and casualty insurance agent
NPN: 21630969
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
