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How Much Does Insurance Cost on a Tesla? The cost of auto insurance for a Tesla will vary significantly based on the model and trim you choose, as well as other factors that are normally taken into account when determining car insurance rates. These include your driving history, location and amount of coverage purchased. Based on our research, the cheapest 2018 Tesla to insure is the Model 3, while the most expensive Tesla to insure is the Model S. Below, you can see an insurance cost comparison for each new Tesla model for a sample driver in California, based on quotes from the largest auto insurance companies: State Farm, GEICO and Progressive. Average Cost of Insurance on a Tesla by Model Tesla's Roadster, the company's first model car, wasn't included in our analysis as it's been out of production for the past few years, and the updated vehicle won't be available for sale until 2020. The cost of Tesla insurance changes by model, but owners should also take into account the potential impact of different trims on auto insurance rates when choosing their vehicle. Not all insurers offer different quotes by trim. But for insurers that do take this into account, the difference in vehicle cost, acceleration and other vehicle features will translate into different premiums. For example, a Tesla Model S with 75D trim may have lower insurance rates than the same model car with P100D trim. This is because the P100D vehicle costs more to replace, as the starting cost is approximately $50,000 higher, and it accelerates from 0 to 60 mph in just 2.5 seconds (as opposed to 4.2 seconds). Which Companies Offer the Cheapest Insurance for a Tesla? In our comparison of the largest insurers, Progressive offered the cheapest auto insurance rates to insure a Tesla. However, the cheapest insurer for your policy will differ based on the model, plus your location and driving history. GEICO, for example, offered the cheapest car insurance for a Tesla Model 3, but its rates were 28% greater than Progressive's rates for a Model X. Some auto insurance companies have specified that they typically offer higher or lower auto insurance quotes to Tesla owners. These differences in underwriting are typically based upon safety data that insurers have collected. Root Insurance, for instance, gives a discount if your Tesla has Autosteer functionality. That's because a National Highway Traffic Safety Administration (NHTSA) report correlated the use of this feature with lower crash rates. AAA, on the other hand, raised its auto insurance rates on Tesla vehicles specifically. This was because Tesla Model S and Model X vehicles had higher claim frequencies and above-average claim severities when compared to other vehicles in their class. In order to make sure you get the most affordable Tesla insurance rates, we recommend comparing quotes from at least three different insurers. Researching those that offer discounts specifically for Tesla vehicles or cars with semiautonomous technology like Autopilot can help to save you a significant amount on premiums. InsureMyTesla Though Tesla owners are able to purchase car insurance from any insurer they choose, Tesla has partnered with Liberty Mutual to provide customized insurance policies. The program, InsureMyTesla, is available to both new and existing Tesla owners. InsureMyTesla doesn't offer unique coverage in the sense that a policy covers different situations or offers greater coverage limits than you could find through a different insurer. However, the underwriting of the policies takes into account all the technology and safety features that Tesla models include. Unfortunately, this doesn't mean Tesla's insurance policies are typically cheaper than those from other insurers. Many Tesla owners find better auto insurance rates elsewhere. We recommend you compare quotes from InsureMyTesla against those from other top auto insurance companies to find the best rates for the coverage you choose. Why Are Teslas so Expensive to Insure? The largest contributor to the expensive cost of Tesla insurance is collision coverage, which accounts for between 57% to 65% of the total cost of coverage. Tesla model Total insurance cost Liability coverage Comprehensive coverage Collision coverage Model 3 $1,913 $679 $148 $1,085 Model X, 90D $2,473 $752 $311 $1,409 Model S, 90D $2,963 $681 $350 $1,932 Teslas are particularly expensive to insure for collision damage due to their high repair and maintenance costs, which are greater than those for other luxury vehicles. This is due to several reasons, such as: The cars are repaired at a limited set of Tesla-approved body repair shops. The training and equipment to become qualified means significant costs are incurred. Electric cars are already more expensive to repair, and therefore insure, on average. The Model S aluminum frame is more expensive and difficult to repair than a steel frame. For all these reasons, the cost to repair a Tesla, even for a minor fender bender, can easily reach several thousand dollars. And, as the cars integrate more custom parts and technology, the cost per collision may continue to rise. So, even though the technology built into Tesla cars aims to reduce crashes, as data indicates its Autopilot feature does, insurers have to take into account the size of a claim when an accident does occur