Tesla Roadster Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 29, 2024
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Estimated insurance prices for a Tesla Roadster are $1,482 every 12 months for full coverage. Comprehensive insurance costs approximately $314, collision costs $536, and liability insurance is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $3,206 or more. Teens pay the most at $5,554 a year or more.
Average premium for full coverage: $1,482
Premium estimates by type of coverage:
Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different Roadster trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Tesla Roadster go from the cheapest price of $522 for a discount liability-only rate to a much higher rate of $3,206 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects auto insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, 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.
Rates by State, City, and Model
The chart below shows estimated Tesla Roadster insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $850
- Raising to $1,000 deductibles will save $194 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,482
- Selecting more expensive low deductibles costs an extra $372 a year
- Higher-risk drivers with serious driving violations could pay around $3,206 or more
- An auto insurance policy to insure a teen driver with full coverage can cost $5,554
Insurance prices for a Tesla Roadster also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Roadster.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $570 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,800 to $2,400 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Tesla Roadster insurance rates. A middle-age driver might find prices as low as $980 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,110 on average in New York, Louisiana, and Michigan.
| 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 such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices from as many companies as possible. Every auto insurance company calculates prices differently, and prices will be substantially different.
| 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
Finding better rates on Tesla Roadster insurance consists of avoiding accidents and claims, having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at every other renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The points below are a quick rundown of the concepts that were touched on in the above illustrations.
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,720 more per year to insure a Tesla Roadster
- Drivers under the age of 20 are the costliest to insure, as much as $463 per month if full coverage is included
- Drivers can save around $180 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $575 each year
- Drivers can save around $180 per year simply by shopping early and online
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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