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Tesla Insurance Reviews: Consumer Reviews, Quotes, Ratings (2022)

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Danny Smith

By: Danny Smith

Edited by Tanveen Vohra

Last Updated April 12, 2022

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Quick Facts

  • Tesla offers insurance using real-time driving behavior.
  • Tesla car insurance is currently only available in 5 states.
  • Drivers who compare car insurance with Insurify save up to $996 annually by switching to a policy they found on the platform.

Should you insure your Tesla just like you would any other car? Well, it depends.

While Tesla’s own car insurance takes into account some features unique to Tesla, rates still vary based on things like car mileage, driving history, location, and other factors just like any other car insurance.

When shopping for car insurance for your Tesla, you should still compare auto insurance quotes to make sure you’re getting the best rate for your needs. With Insurify, you can get multiple personalized auto insurance rates from top providers in minutes.

What is Tesla insurance?

What is Tesla insurance?

Tesla car insurance is designed specifically for Tesla drivers, and is available for the Tesla Model 3, Model S, Model X, Model Y, and Roadster. However, Tesla offers insurance in just five states: Arizona, California, Illinois, Ohio, and Texas.

When determining pricing, the company takes into account the standard safety features available on all Tesla vehicles. The company also has unique knowledge of the repair costs associated with its vehicles so it’s able to do away with fees charged by traditional insurance companies.

Tesla claims these factors can save drivers as much as 20 to 30 percent compared to the average cost of car insurance from other providers. The actual cost of coverage will vary based on factors such as your Tesla’s model, your driving history, where you live, and more.

Tesla’s car insurance provides typical insurance coverages like bodily injury and property damage liability coverage, collision coverage, comprehensive coverage, but also some additional coverages designed for insuring electric vehicles.

For example, Tesla offers a protection package for self-driving vehicle owners that can provide you with wall charger coverage, reimbursement for identity fraud expenses, and electronic key replacement. Tesla also offers roadside assistance, gap insurance, rental reimbursement, and a total loss deductible waiver.

Additionally, Tesla provides insurance discounts based on your electric car’s autonomous driving functions. You may also be eligible for discounts common with other insurance programs, such as discounts for being a good driver, having anti-theft devices in your car, being insured with Tesla for a long period of time, and taking driver improvement courses.

Tesla Insurance Using Real-Time Driving Behavior - Safety Score

In October 2022, Tesla launched a telematics program: Safety Score. Telematics programs take data like driver behavior, fuel consumption, speed, and analyze it to determine your car insurance rate. Tesla’s telematics program is still being tested and is currently in its Beta stage.

Most telematics programs require you to install a device in your car to track driving behaviors, but Tesla’s Safety Score uses the technology in the car itself. Safety Score assesses five factors: forward collision warnings per 1,000 miles, hard braking, aggressive turning, unsafe following, and force autopilot disengagement.

Tesla uses these factors as well as five other variables: what vehicle you drive, where you live, how much you drive, what coverage you select, and how many vehicles you insure to determine how much your premium costs.

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How does Tesla car insurance work?

If you drive a Tesla in Arizona, California, Illinois, Ohio, or Texas, you can get insurance coverage from Tesla Insurance in as little as a minute. To get an idea of the cost, you can get a quote on Tesla’s website.

You’ll need to log in or create an account to get started, and will immediately be prompted to provide personal information, such as your driver’s license number and address. There are no anonymous quotes available, so you’ll need to have your information ready to see your car insurance rates.

form to enter personal details

Once you provide information about your vehicle and driving record, you’ll be able to purchase a policy instantly online unless you need assistance with adding supplemental coverages. If you need help, you can contact 1 (844) 34-TESLA to speak to a licensed agent.

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Tesla Car Insurance Reviews: Here's what customers are saying…

Customer reviews about Tesla’s car insurance product are difficult to find. On third-party rating websites, customers mostly reviewed the company in general, citing poor customer service and the repairs process as reasons for their negative reviews. Tesla received the following ratings:

  • ConsumerAffairs: 3.8/5 from 542 reviewers
  • Trustpilot: 2.3/5 from 854 reviewers
  • Better Business Bureau: 1.18/5 from 266 reviewers

State National Insurance Company, the company that handles the underwriting of Tesla’s insurance policies has an above-average number of complaints with the National Association of Insurance Commissioners, and there are concerning customer service reviews about Tesla in general.

1 star review disappointed in the customer service

Tesla customer service complaint

Tesla Car Insurance vs. Insurify: The Facts

Tesla’s insurance product is still relatively new and only available in Arizona, California, Illinois, Ohio, and Texas. The company doesn’t list average rates, so you won’t know whether you might get lower insurance premiums from Tesla until you get a quote, which requires that you provide your personal information.

While Tesla certainly has unique expertise in covering its vehicles, insurance prices from Tesla may not necessarily be lower than at companies like GEICO, Liberty Mutual, and Progressive. If you get a quote from Tesla, you should also get quotes from Insurify.

Insurify’s artificial intelligence technology makes it easy to view rates from multiple insurance companies side by side. You’ll get customized quotes from both major providers and local insurers so you can find a policy that meets your needs and fits your budget.

Rideshare drivers should note that Tesla’s insurance policies only cover your Tesla for personal use. If you use your car for ridesharing or for any other commercial use, you’ll need to purchase insurance elsewhere. With Insurify, you can elect to see quotes from companies that provide rideshare coverage.

Coverage and cost are not the only factors to consider when choosing a car insurance provider. You’ll also want to consider customer service reviews and third-party ratings. The Insurify Composite Score, calculated by analyzing multiple factors that reflect an insurance company’s quality, reliability, and health, makes it easy to assess whether a particular insurer is reputable.

Insurify’s data scientists took these variables, weighted them, and combined them into a single, easy-to-understand numeric score for each insurance company. Before you buy your next auto insurance policy, make sure to check out the ICS for the insurance provider you’re considering.

More: Best Car Insurance Comparison Sites

How to Save on Car Insurance

When you know where to look, it’s easy to find a car insurance rate that fits your needs and budget. Insurify works to make the process easy, safe, and fast. You can also save money by:

  • Searching a wide range of insurers to find the best rate
  • Bundling multiple insurance policies, such as home insurance and auto insurance.
  • Changing your coverage or deductible

It’s always great to save on your auto insurance and the best way to find lower rates is to compare car insurance quotes. With Insurify, you can compare quotes from multiple insurance providers all in one place and in only a few minutes.

More: How to Compare Car Insurance

More about Tesla Car Insurance

Tesla was founded in 2003 by a group of engineers that included Elon Musk, J. B. Straubel, Marc Tarpenning, and Martin Eberhard. The company builds electric cars and also provides clean-energy generation. In 2019, the company launched Tesla Insurance, which is currently only offered to Tesla drivers in Arizona, California, Illinois, Ohio, and Texas.

You can get a quote, manage your policy, and pay your bills online with Tesla Insurance. You can also call a Tesla licensed agent if you need assistance, and there’s a general online form for questions as well.

Contact Information

Frequently Asked Questions

  • Yes. Though Tesla has only been providing car insurance since 2019, policies are underwritten by State National Insurance Company, which has been around for decades, and has an A financial strength rating from A.M. Best. However, unlike top insurers like State Farm and Allstate, State National Insurance Company isn’t rated by J.D. Power.

  • To find out your annual premium for Tesla car insurance, you’ll need to get a quote. Tesla claims to save drivers up to 30 percent compared to traditional insurers through its understanding of its vehicles and reduced fees. While it’s possible a Tesla insurance policy could save you money, you should always compare quotes before signing up.

  • Insurify is a quote-comparison site that doesn’t issue insurance policies but rather helps motorists find and compare car insurance quotes whereas Tesla insurance simply provides a single quote. In about the same amount of time it takes to get a quote from Tesla, Insurify lets users compare car insurance rates from multiple different insurance companies.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Danny Smith
Danny Smith
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Content Specialist at Insurify

Danny is an SEO content specialist at Insurify and received a BA in Marketing from the University of Massachusetts Amherst. Before starting at Insurify, he worked in consulting at Oracle and as a marketer for various different small companies. A native New Englander, Danny loves exploring the outdoors and finding new music.

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