Tesla Roadster Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a Tesla Roadster are $1,558 a year for full coverage insurance. Comprehensive costs around $336, collision costs $586, and liability insurance is $478. A policy with just liability insurance costs around $526 a year, with coverage for high-risk drivers costing around $3,376. Teens receive the highest rates at $5,800 a year or more.
Average premium for full coverage: $1,558
Rate estimates for individual coverage type:
Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Roadster trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the low end price of $526 for just the minimum liability insurance to a much higher rate of $3,376 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects auto insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than relying on averaged prices.
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 estimated Tesla Roadster insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $889
- Raising to $1,000 deductibles will save about $210 each year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,558
- Selecting more expensive low deductibles bumps up the cost to $1,964
- Higher-risk drivers with serious driving violations could pay at least $3,376 or more
- The cost that insures a teen driver with full coverage can be $5,800
Insurance rates for a Tesla Roadster can also vary considerably based on the model year and trim level, your age and driving record, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are probably paying at least $1,800 to $2,500 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,800 a year. View Rates by Age
Where you live also has a big influence on Tesla Roadster insurance rates. A middle-age driver might find rates as low as $1,020 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,100 on average in Michigan, New York, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $620 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out your exact price is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and rates can be significantly different.
| 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 Affordable Tesla Roadster Insurance
Saving money on Tesla Roadster insurance consists of having a good driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates every other policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The next list is a brief review of the ideas that were raised in the charts and tables above.
- Drivers age 20 and younger are charged the highest rates, costing up to $483 per month if comprehensive and collision insurance is included
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,820 more every year to buy Tesla Roadster insurance
- Increasing deductibles can save approximately $625 each year
- It is possible to save up to $190 per year simply 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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
