Tesla Roadster Insurance Rates
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UPDATED: Mar 29, 2024
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Average auto insurance rates for a Tesla Roadster are $1,482 annually with full coverage. Comprehensive insurance costs an estimated $314 a year, collision costs $536, and liability insurance costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers costing $3,206 or more. Teen drivers receive the highest rates at $5,554 a year or more.
Average premium for full coverage: $1,482
Rate estimates broken down by individual coverage type:
These estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Roadster trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $522 for a discount liability-only rate to a high of $3,206 for a policy for a high-risk driver.
Price Range by Location
Where you live has a significant impact on car insurance rates. More rural locations tend to have fewer collision claims than larger metro areas.
The diagram below illustrates the difference location can make on insurance prices.
These examples demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below details estimated Tesla Roadster insurance rates for other coverage scenarios.
- The lowest rate with discounts is $850
- Using higher $1,000 deductibles will save approximately $1,288 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,482
- Choosing low $100 deductibles for physical damage coverage costs an additional $372 a year
- Drivers with multiple violations and an at-fault accident could pay up to $3,206 or more
- The cost with full coverage for a teen driver can cost as much as $5,554 or more
Insurance rates for a Tesla Roadster can also vary considerably based on the trim level of your Roadster, your driving record, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,800 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $570 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Tesla Roadster insurance rates. A driver around age 40 might see rates as low as $1,070 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,000 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,340 | -$142 | -9.6% |
| Alaska | $1,134 | -$348 | -23.5% |
| Arizona | $1,228 | -$254 | -17.1% |
| Arkansas | $1,482 | -$0 | 0.0% |
| California | $1,688 | $206 | 13.9% |
| Colorado | $1,416 | -$66 | -4.5% |
| Connecticut | $1,522 | $40 | 2.7% |
| Delaware | $1,678 | $196 | 13.2% |
| Florida | $1,854 | $372 | 25.1% |
| Georgia | $1,366 | -$116 | -7.8% |
| Hawaii | $1,064 | -$418 | -28.2% |
| Idaho | $1,000 | -$482 | -32.5% |
| Illinois | $1,104 | -$378 | -25.5% |
| Indiana | $1,114 | -$368 | -24.8% |
| Iowa | $1,000 | -$482 | -32.5% |
| Kansas | $1,408 | -$74 | -5.0% |
| Kentucky | $2,020 | $538 | 36.3% |
| Louisiana | $2,190 | $708 | 47.8% |
| Maine | $914 | -$568 | -38.3% |
| Maryland | $1,222 | -$260 | -17.5% |
| Massachusetts | $1,184 | -$298 | -20.1% |
| Michigan | $2,574 | $1,092 | 73.7% |
| Minnesota | $1,238 | -$244 | -16.5% |
| Mississippi | $1,774 | $292 | 19.7% |
| Missouri | $1,314 | -$168 | -11.3% |
| Montana | $1,592 | $110 | 7.4% |
| Nebraska | $1,168 | -$314 | -21.2% |
| Nevada | $1,776 | $294 | 19.8% |
| New Hampshire | $1,066 | -$416 | -28.1% |
| New Jersey | $1,654 | $172 | 11.6% |
| New Mexico | $1,312 | -$170 | -11.5% |
| New York | $1,560 | $78 | 5.3% |
| North Carolina | $852 | -$630 | -42.5% |
| North Dakota | $1,212 | -$270 | -18.2% |
| Ohio | $1,022 | -$460 | -31.0% |
| Oklahoma | $1,522 | $40 | 2.7% |
| Oregon | $1,356 | -$126 | -8.5% |
| Pennsylvania | $1,414 | -$68 | -4.6% |
| Rhode Island | $1,974 | $492 | 33.2% |
| South Carolina | $1,342 | -$140 | -9.4% |
| South Dakota | $1,250 | -$232 | -15.7% |
| Tennessee | $1,296 | -$186 | -12.6% |
| Texas | $1,786 | $304 | 20.5% |
| Utah | $1,096 | -$386 | -26.0% |
| Vermont | $1,014 | -$468 | -31.6% |
| Virginia | $888 | -$594 | -40.1% |
| Washington | $1,146 | -$336 | -22.7% |
| West Virginia | $1,358 | -$124 | -8.4% |
| Wisconsin | $1,026 | -$456 | -30.8% |
| Wyoming | $1,320 | -$162 | -10.9% |
With so much variability in rates, the best way to find out which company is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Tesla Roadster | $314 | $536 | $474 | $1,482 |
| 2010 Tesla Roadster | $296 | $486 | $474 | $1,414 |
| 2008 Tesla Roadster | $282 | $426 | $460 | $1,326 |
Rates are averaged for all Tesla Roadster models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheap Tesla Roadster Insurance
Saving money on Tesla Roadster insurance requires avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates every year by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.
The points below are a brief summary of the coverage data touched on in this article.
- You may be able to save approximately $180 per year simply by quoting early and online
- Increasing deductibles could save up to $575 each year
- Drivers under the age of 20 are expensive to insure, with premiums as much as $463 per month if they have full coverage
- High-risk drivers that tend to have accidents or serious violations pay on average $1,720 more annually to insure a Tesla Roadster
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,554 |
| 20 | $3,404 |
| 30 | $1,540 |
| 40 | $1,482 |
| 50 | $1,352 |
| 60 | $1,326 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,854 |
| $250 | $1,682 |
| $500 | $1,482 |
| $1,000 | $1,288 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,482 |
| 50/100 | $1,577 |
| 100/300 | $1,695 |
| 250/500 | $2,003 |
| 100 CSL | $1,624 |
| 300 CSL | $1,885 |
| 500 CSL | $2,075 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,924 |
| 20 | $5,432 |
| 30 | $3,274 |
| 40 | $3,206 |
| 50 | $3,062 |
| 60 | $3,032 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $79 |
| Multi-vehicle | $79 |
| Homeowner | $23 |
| 5-yr Accident Free | $108 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $67 |
| Advance Quote | $73 |
| Online Quote | $106 |
| Total Discounts | $632 |
Discounts are estimated and may not be available from every company or in every state.
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