Tesla Roadster Insurance Rates
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UPDATED: Mar 29, 2024
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Average insurance rates for a Tesla Roadster are $1,482 a year for full coverage insurance. Comprehensive costs around $314, collision costs $536, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing around $3,206. Teens receive the highest rates at $5,554 a year or more.
Average premium for full coverage: $1,482
Rate estimates for individual coverage type:
Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for all Roadster models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $522 for the bare minimum liability coverage to the much higher price of $3,206 for coverage for higher-risk drivers.
Price Range by Location
Where you live has a large influence on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than cities with more traffic congestion.
The example below illustrates how your location can change auto insurance rates.
These examples illustrate why everyone should compare prices for a specific zip code, rather than using 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 Information
The chart below illustrates estimated Tesla Roadster insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $850
- Using higher $1,000 deductibles will save about $194 each year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,482
- Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,854
- Higher-risk drivers with serious driving violations could pay at least $3,206 or more
- The cost that insures a teenage driver for full coverage can be $5,554 or more
Insurance rates for a Tesla Roadster can also vary considerably based on the model of your Roadster, 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 $2,400 extra per year, depending on your age. Tesla Roadster insurance for high-risk drivers can be around 43% to 136% more than the average policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $5,500 a year. View Rates by Age
Where you live has a huge impact on Tesla Roadster insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $570 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per 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 regularly compare rates and see how they stack up. Each insurance company calculates rates differently, so the rates can be significantly 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 Find the Right Tesla Roadster Insurance
Saving money on auto insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare rates at least once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a quick rundown of the primary concepts that were illustrated above.
- It is possible to save up to $180 per year simply by quoting online well ahead of the renewal date
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,720 more every year than a driver with a clean driving record
- Increasing deductibles can save approximately $575 each year
- 16 to 18-year-old drivers pay higher rates, costing up to $463 per month if full coverage is included
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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