Tesla Roadster Insurance Rates
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UPDATED: Mar 29, 2024
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U.S. average insurance prices for a Tesla Roadster are $1,482 every 12 months for full coverage insurance. Comprehensive insurance costs on average $314 each year, collision insurance costs $536, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs $3,206 or more. Teenage drivers pay the highest rates at up to $5,554 a year.
Average premium for full coverage: $1,482
Price estimates by individual coverage:
Prices include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Roadster models.
Price Range from Low to High
Using a middle-aged driver as an example, Tesla Roadster insurance prices range from the cheapest price of $522 for just the minimum liability insurance to a high rate of $3,206 for high-risk insurance.
Geographic Price Range
Where you live can have significant affects on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how where you live affects car insurance rates.
The ranges above illustrate why all drivers should compare prices based on a specific location and their own driving history, instead of using average rates.
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.
Additional Rate Analysis
The chart below illustrates average Tesla Roadster insurance rates for different risk profiles and scenarios.
- The best discount rate is $850
- Using higher $1,000 deductibles will save around $194 each year
- The average price for the average middle-age driver with $500 deductibles is $1,482
- Using low deductibles for physical damage coverage costs an extra $372 every year
- Drivers who are prone to accidents and violations could pay upwards of $3,206
- The price to insure a teen driver may cost $5,554 or more
Insurance prices for a Tesla Roadster are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Roadster.
Using high physical damage deductibles could cut prices by as much as $570 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $5,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 136% more than a normal policy. View High Risk Driver Rates
The state you live in has a huge impact on Tesla Roadster insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,000 on average in Michigan, New York, 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% |
| 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 Shop for the Right Tesla Roadster Insurance
Getting lower rates on car insurance requires avoiding accidents and claims, having good credit, not filing small claims, and determing if full coverage is necessary. Take the time to comparison shop every couple of years by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a quick rundown of the material that was touched on in the above illustrations.
- Policyholders who require increased liability limits will pay an extra $520 annually to increase from a low limit to a 250/500 level
- Drivers under the age of 20 pay the highest prices, as much as $463 a month if they have full coverage
- Higher risk drivers with reckless driving or DUI convictions pay on average $1,720 more each year to insure a Tesla Roadster
- Increasing physical damage deductibles could save as much as $575 each year
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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