Tesla Roadster Insurance Rates
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UPDATED: Mar 29, 2024
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U.S. average insurance rates for a Tesla Roadster are $1,558 a year for full coverage insurance. Comprehensive insurance costs approximately $336, collision insurance costs $586, and liability is $478. A policy with just liability insurance costs around $526 a year, and coverage for high-risk drivers costs $3,376 or more. 16-year-old drivers pay the highest rates at up to $5,800 a year.
Average premium for full coverage: $1,558
Price estimates by individual coverage:
Includes $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Roadster trim levels.
Price Range from Low to High
For a 40-year-old driver, Tesla Roadster insurance prices range from the low end price of $526 for basic liability insurance to a much higher rate of $3,376 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have lower incidents of physical damage claims than congested cities. The price range example below illustrates how your location can change auto insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location, instead of making a decision based 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.
Rate Comparisons
The chart below illustrates average Tesla Roadster insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $889
- Raising to $1,000 deductibles will save $210 each year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,558
- Buying more expensive low deductibles will cost an additional $406 annually
- Drivers with multiple tickets or accidents could pay around $3,376
- The price that insures a 16-year-old driver with full coverage can cost $5,800
Insurance prices for a Tesla Roadster are also quite variable based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 129% more than the average rate. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,800 a year. View Rates by Age
The state you live in also has a big influence on Tesla Roadster insurance prices. A middle-age driver might find prices 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% |
Opting for high physical damage deductibles can reduce prices by up to $620 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit
| 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 Find the Cheapest Tesla Roadster Insurance
Getting lower rates on insurance for a Tesla Roadster consists of avoiding accidents and claims, having above-average credit, not filing small claims, and possibly raising deductibles. Comparison shop at every policy renewal by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.
The points below are a recap of the data illustrated above.
- Insureds who purchase increased liability limits will pay around $530 annually to raise from a low limit to the 250/500 level
- It is possible to save around $190 per year just by shopping early and online
- Increasing physical damage deductibles can save approximately $625 each year
- Drivers under the age of 20 are expensive to insure, as much as $483 a month if full coverage is included
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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