Tesla Roadster Insurance Rates
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UPDATED: Mar 29, 2024
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Estimated insurance prices for a Tesla Roadster are $1,558 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $336, collision insurance costs $586, and liability insurance costs $478. A policy with only liability insurance costs as little as $526 a year, and a high-risk policy costs $3,376 or more. 16-year-old drivers pay the most at up to $5,800 a year.
Average premium for full coverage: $1,558
Premium estimates by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Roadster trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Tesla Roadster range from the cheapest price of $526 for just liability insurance to a much higher rate of $3,376 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location has a significant impact on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on rate 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.
More Rate Details
The chart below illustrates average Tesla Roadster insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $889
- Drivers who choose higher $1,000 deductibles will pay $210 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,558
- Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $406 a year
- High risk drivers with multiple tickets or accidents could pay around $3,376
- An auto insurance policy to insure a teen driver with full coverage can cost $5,800 a year
Car insurance prices for a Tesla Roadster also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Roadster.
Opting for high physical damage deductibles could save up to $620 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,500 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates
Where you choose to live makes a big difference in Tesla Roadster insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,100 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,408 | -$150 | -9.6% |
| Alaska | $1,194 | -$364 | -23.4% |
| Arizona | $1,294 | -$264 | -16.9% |
| Arkansas | $1,558 | -$0 | 0.0% |
| California | $1,776 | $218 | 14.0% |
| Colorado | $1,488 | -$70 | -4.5% |
| Connecticut | $1,602 | $44 | 2.8% |
| Delaware | $1,764 | $206 | 13.2% |
| Florida | $1,950 | $392 | 25.2% |
| Georgia | $1,438 | -$120 | -7.7% |
| Hawaii | $1,118 | -$440 | -28.2% |
| Idaho | $1,054 | -$504 | -32.3% |
| Illinois | $1,162 | -$396 | -25.4% |
| Indiana | $1,174 | -$384 | -24.6% |
| Iowa | $1,052 | -$506 | -32.5% |
| Kansas | $1,482 | -$76 | -4.9% |
| Kentucky | $2,126 | $568 | 36.5% |
| Louisiana | $2,304 | $746 | 47.9% |
| Maine | $960 | -$598 | -38.4% |
| Maryland | $1,284 | -$274 | -17.6% |
| Massachusetts | $1,248 | -$310 | -19.9% |
| Michigan | $2,708 | $1,150 | 73.8% |
| Minnesota | $1,304 | -$254 | -16.3% |
| Mississippi | $1,866 | $308 | 19.8% |
| Missouri | $1,384 | -$174 | -11.2% |
| Montana | $1,674 | $116 | 7.4% |
| Nebraska | $1,230 | -$328 | -21.1% |
| Nevada | $1,868 | $310 | 19.9% |
| New Hampshire | $1,122 | -$436 | -28.0% |
| New Jersey | $1,742 | $184 | 11.8% |
| New Mexico | $1,378 | -$180 | -11.6% |
| New York | $1,640 | $82 | 5.3% |
| North Carolina | $896 | -$662 | -42.5% |
| North Dakota | $1,274 | -$284 | -18.2% |
| Ohio | $1,076 | -$482 | -30.9% |
| Oklahoma | $1,600 | $42 | 2.7% |
| Oregon | $1,426 | -$132 | -8.5% |
| Pennsylvania | $1,488 | -$70 | -4.5% |
| Rhode Island | $2,078 | $520 | 33.4% |
| South Carolina | $1,412 | -$146 | -9.4% |
| South Dakota | $1,314 | -$244 | -15.7% |
| Tennessee | $1,364 | -$194 | -12.5% |
| Texas | $1,878 | $320 | 20.5% |
| Utah | $1,156 | -$402 | -25.8% |
| Vermont | $1,066 | -$492 | -31.6% |
| Virginia | $932 | -$626 | -40.2% |
| Washington | $1,204 | -$354 | -22.7% |
| West Virginia | $1,426 | -$132 | -8.5% |
| Wisconsin | $1,078 | -$480 | -30.8% |
| Wyoming | $1,390 | -$168 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Tesla Roadster | $336 | $586 | $478 | $1,558 |
| 2010 Tesla Roadster | $314 | $536 | $474 | $1,482 |
| 2008 Tesla Roadster | $286 | $436 | $468 | $1,348 |
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 Shop for Cheaper Tesla Roadster Insurance
Finding better rates on Tesla Roadster insurance not only requires having a decent driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Set aside time to shop around every other policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The following items are a condensed summary of the ideas that were raised in the charts and tables above.
- 16 to 18-year-old drivers pay the highest auto insurance prices, with premiums being up to $483 per month if the policy includes full coverage
- High-risk drivers with multiple at-fault accidents may have to pay on average $1,820 more per year than a driver with a clean driving record
- Increasing policy deductibles could save as much as $625 each year
- It is possible to save around $190 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,800 |
| 20 | $3,584 |
| 30 | $1,624 |
| 40 | $1,558 |
| 50 | $1,422 |
| 60 | $1,394 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,964 |
| $250 | $1,776 |
| $500 | $1,558 |
| $1,000 | $1,348 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,558 |
| 50/100 | $1,654 |
| 100/300 | $1,773 |
| 250/500 | $2,084 |
| 100 CSL | $1,701 |
| 300 CSL | $1,964 |
| 500 CSL | $2,156 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,294 |
| 20 | $5,716 |
| 30 | $3,452 |
| 40 | $3,376 |
| 50 | $3,224 |
| 60 | $3,194 |
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 | $84 |
| Multi-vehicle | $83 |
| Homeowner | $24 |
| 5-yr Accident Free | $115 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $71 |
| Advance Quote | $78 |
| Online Quote | $112 |
| Total Discounts | $669 |
Discounts are estimated and may not be available from every company or in every state.
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