120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on May 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on May 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
Featured in
){kind=small}
){kind=small}
)
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
){kind=small}
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Tesla makes some of the most popular electric vehicles on the market, and with recent price cuts on its Model 3 and Model Y vehicles, Tesla’s sales and popularity continue to climb.[1]
If you have one of Tesla’s four models and need car insurance, you might pay an average rate of $268 per month for full coverage and $126 per month for liability coverage from standard insurers. Tesla also offers its own comprehensive insurance policy for Tesla owners in certain states, with insurance rates based on your real-time driving habits.[2]
USAA and GEICO have the cheapest average full-coverage rates for the Tesla Model X.
Coverage rates for a Tesla are similar to those for a Mercedes-Benz.
Safe driving habits may make your car insurance more affordable.
Tesla insurance costs vary widely depending on the model. If you drive the entry-level Model 3, you’ll likely spend less on insurance than you would for the top-of-the-line Model X, for example.
In the table below, you can see how full-coverage quotes fluctuate based on the model you drive.
Tesla Model  | Average Quote: Full Coverage | MSRP |
|---|---|---|
| Model 3 | $318 | $42,490 |
| Model Y | $291 | $44,620 |
| Model S | $275 | $79,990 |
| Model X | $323 | $84,990 |
| Cybertruck | $285 | $79,990 |
Tesla insurance costs depend on the specific model and whether you choose to purchase full-coverage car insurance or a liability-only policy. In the sections that follow, you’ll see the average car insurance costs from different car insurance companies across each of the five Tesla models.
Tesla’s entry-level car, the Model 3, seats five and offers three options — Rear-Wheel Drive, Long-Range, and Performance. Base prices range from $42,490 to $54,990. The top-priced model is only slightly less than Tesla’s Model Y, which comes with about the same mileage range but has more than triple the cargo capacity and the option to seat seven in the Performance option.
Insurance costs vary widely for the Model 3, with costs ranging from $98 to $263 per month.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $98 |
| USAA | $134 |
| State Farm | $148 |
| GEICO | $154 |
| Nationwide | $170 |
| Allstate | $184 |
| Progressive | $218 |
| American Family | $234 |
| Liberty Mutual | $236 |
| Direct Auto | $263 |
| Travelers | $270 |
| Farmers | $315 |
Tesla’s Model Y comes in three options — the Long Range Rear-Wheel Drive, Long Range All-Wheel Drive, and Performance All-Wheel Drive. Base prices range from $44,620 to $47,720.
These prices are similar to the Model 3 but are significantly less than the Model S and Model X. Insurance costs for the Model Y differ widely among auto insurers, ranging from an average of $87 to $280.
It’s also worth noting that while the Model Y has a slightly pricier MSRP than the Model 3, it’s a bit cheaper to insure.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $87 |
| USAA | $119 |
| State Farm | $132 |
| GEICO | $137 |
| Nationwide | $151 |
| Allstate | $164 |
| Progressive | $193 |
| American Family | $208 |
| Liberty Mutual | $209 |
| Direct Auto | $234 |
| Travelers | $240 |
| Farmers | $280 |
The Model S is available in two options, Standard and Plaid, with an MSRP ranging from $79,990 to $94,990. Both models seat five and have a range of about 400 miles, which is about 100 miles more than the Model 3. The Model S has limited cargo capacity, which is about the same as the Model 3.
The MSRP for the Model S is similar to the Model X but nearly $50,000 higher than the Model 3 Rear-Wheel Drive. But its insurance costs are only slightly higher than the Model 3’s, with average quotes ranging from $107 to $342 per month.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $107 |
| USAA | $146 |
| State Farm | $161 |
| GEICO | $167 |
| Nationwide | $185 |
| Allstate | $200 |
| Progressive | $237 |
| American Family | $255 |
| Liberty Mutual | $256 |
| Direct Auto | $286 |
| Travelers | $294 |
| Farmers | $342 |
Tesla offers its premium model, the Model X, in a Standard and Plaid option. Both have about the same mileage range and come with Tesla’s most spacious cargo capacity, at 88 cubic feet.
The Standard can fit seven passengers and costs $84,990, while the Plaid only fits six people and has an MSRP of $99,990.
Insurance costs are a bit higher than for the Model S, with averages ranging from $121 to $388 per month.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $121 |
| USAA | $166 |
| State Farm | $183 |
| GEICO | $190 |
| Nationwide | $210 |
| Allstate | $227 |
| Progressive | $268 |
| American Family | $289 |
| Liberty Mutual | $290 |
| Direct Auto | $325 |
| Travelers | $333 |
| Farmers | $388 |
The Tesla Cybertruck’s MSRP ranges from $79,990 for the All-Wheel Drive option to $99,990 for the Cyberbeast option. It has a towing capacity of 11,000 pounds and a range of 325 miles. Cybertrucks can accommodate five adult passengers, with two seats in the front and a three-seat bench in the back.
On average, Cybertruck drivers pay $285 per month for full-coverage insurance. Below, you can compare average quotes for full-coverage insurance from different insurance companies.
Insurance Company | Average Monthly Quote |
|---|---|
| Bristol West | $177 |
| Dairyland | $135 |
| Direct Auto | $125 |
| Hugo | $227 |
| Just Unlimited | $225 |
| Liberty Mutual | $244 |
| Liberty Mutual with RightTrack® | $194 |
| Novo | $99 |
| Safeco | $78 |
| USA Underwriters | $219 |
Check quotes from 100+ top insurance companies
Insurance for electric vehicles, like Tesla vehicles, typically has a higher cost than gas-powered vehicles. But some insurers, like USAA, offer EV battery coverage, which helps cover the cost to repair or replace a battery.
Choosing the best Tesla car insurance depends on many factors, including your budget, the type of coverage you need, your age, your credit history, your driving record, your marital status, and your location. When shopping around for insurers to cover your Tesla, it’s also smart to look for insurance companies with high customer satisfaction ratings and lower-than-average car insurance costs.
Here’s a closer look at Insurify’s top picks for the best companies for Tesla car insurance.
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $86/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $179/mo |
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
Nicholas
May 14, 2025
Poor
Ronald
May 11, 2025
Nationwide opinion
Stephen
May 11, 2025
Cost is too high
Nationwide Private Client is a special type of insurance that covers high-value vehicles, including some Tesla models. In addition to liability, collision, and comprehensive, Nationwide provides optional coverages, such as towing and labor, rental car, and gap insurance. The company also offers accident forgiveness and a vanishing deductible that lowers your deductible for each year you drive safely.
Offers 24/7 roadside assistance coverage add-on
SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)
Accident forgiveness available
Below-average customer satisfaction scores from J.D. Power
Some discounts and programs not available in all states
Not available in every state
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Alberta
May 28, 2025
Excellent
Tracey
May 28, 2025
USAA Auto Insurance Review
Bobby
May 25, 2025
USAA Review
USAA offers auto insurance to cover electric and hybrid vehicles — including protection for your battery. In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products, as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including for bundling, insuring multiple vehicles, living on a military base, and more.
High customer satisfaction
Low premiums
SafePilot program rewards good driving with up to 30% discount
Available only to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Mixed customer reviews for service and claims processing
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Kathern
May 28, 2025
Voice of opinion.
Florinda
May 26, 2025
Too much
Karon
May 25, 2025
Lousy customer service
State Farm’s policies cover electric vehicles, including emergency road service when you run out of battery power or break down. Most policies also cover damage to your car-charging equipment caused by a covered loss. State Farm has been in business for more than 100 years and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small-business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types to a robust list of discounts.
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
If you’re already a Tesla owner, you may be able to insure your Tesla (as well as other non-Tesla vehicles) through Tesla Insurance. While Tesla Insurance offers comprehensive coverage and claim management, you have to live in a state where it’s available. These states are Arizona, California (with certain conditions), Colorado, Illinois, Maryland, Minnesota, Nevada, Ohio, Oregon, Texas, Utah, and Virginia.
Tesla Insurance is usage-based coverage that uses built-in technology to track your real-time driving behavior and calculate your monthly premium. While your driving habit data is the primary factor in determining what you’ll pay, Tesla also considers how much you drive, where you live, the type of coverage selected, and the vehicle’s Safety Score.
Certain factors, including hard braking, aggressive turning, late-night driving, and following other vehicles at an unsafe distance, affect your Safety Score. The higher your score, the more you can save.
Signing up for Tesla Insurance only takes a minute. You can sign up through the Tesla app. You need to enter some personal information to apply, like your driver’s license number, address, and date of birth.
You can also add more drivers and vehicles to your policy during sign-up. Once you’ve completed your registration, you’ll be able to access your insurance documents and make claims using the Tesla app.
How much you pay for car insurance for your Tesla vehicle depends on where you live. Your insurance company considers your state’s and ZIP code’s location-based risk factors, including population density, crime rates, accident rates, and more.[3]
State | Average Monthly Quote |
|---|---|
| Alabama | $241 |
| Arizona | $299 |
| Arkansas | $241 |
| California | $457 |
| Colorado | $374 |
| Connecticut | $638 |
| Delaware | $363 |
| Florida | $411 |
| Georgia | $413 |
| Idaho | $222 |
| Illinois | $292 |
| Indiana | $241 |
| Iowa | $212 |
| Kansas | $278 |
| Kentucky | $418 |
| Louisiana | $399 |
| Maine | $259 |
| Maryland | $583 |
| Massachusetts | $334 |
| Michigan | $501 |
| Minnesota | $334 |
| Mississippi | $355 |
| Montana | $280 |
| Missouri | $334 |
| North Dakota | $247 |
| Nebraska | $322 |
| New Hampshire | $206 |
| Nevada | $505 |
| New Jersey | $316 |
| New Mexico | $278 |
| New York | $749 |
| North Carolina | $157 |
| Ohio | $220 |
| Oklahoma | $299 |
| Oregon | $273 |
| Pennsylvania | $295 |
| South Carolina | $461 |
| South Dakota | $227 |
| Tennessee | $261 |
| Texas | $404 |
| Utah | $307 |
| Virginia | $316 |
| Washington | $251 |
| District of Columbia | $457 |
| Vermont | $259 |
| West Virginia | $261 |
| Wisconsin | $234 |
| Wyoming | $229 |
Source: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. Insufficient data is available to show results for Alaska and Hawaii.
Shopping around for a Tesla car insurance quote can help you find the best options, rates, and plan. Here’s some additional information to help you learn more about insuring your Tesla.
Insurance rates can fluctuate for Tesla drivers, but Hugo, USAA, and State Farm have some of the cheapest car insurance rates for your Tesla. Other insurance companies offering lower-than-average rates include GEICO, Nationwide, and Progressive.
Electric cars, including Teslas, can be more expensive than the average cost of car insurance for traditional cars. But drivers of eco-friendly cars may be able to make up some of the cost through insurance discounts and tax breaks — bringing the rates closer to average car insurance costs.
Your average annual insurance rate will depend on your Tesla vehicle model, whether you qualify for insurance discounts, the insurance company you buy coverage from, and more.
Insurance on a Tesla Model 3 ranges from $98 to $236 per month, depending on the car insurance company and coverage options you choose. For example, USAA quotes average $134 per month, while insurance from Travelers will potentially cost you $270 per month. Your insurance company will consider your driving record, age, location, and more when determining your insurance rate.
Tesla Insurance is available only in Arizona, California (with certain conditions), Colorado, Illinois, Maryland, Minnesota, Nevada, Ohio, Oregon, Texas, Utah, and Virginia at this time. The company says it’s adding more states in the near future.
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
Sarah Archambault enjoys helping people figure out how to manage their finances and credit. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans. Her work has been featured on Credit Karma, Experian, LendingClub, Sound Dollar and USA Today Blueprint. She also writes for national insurers, banks and financial institutions like Aetna, MassMutual, Stripe, and UnitedHealthcare.
Sarah has been a contributor at Insurify since December 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
)
)
