Tesla Roadster Insurance Rates
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UPDATED: Mar 29, 2024
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Estimated auto insurance rates for a Tesla Roadster are $1,558 annually including full coverage. Comprehensive costs approximately $336, collision insurance costs $586, and liability costs $478. Liability-only coverage costs as little as $526 a year, and high-risk coverage costs around $3,376. 16-year-old drivers pay the most at up to $5,800 a year.
Average premium for full coverage: $1,558
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. 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 range from as cheap as $526 for a discount liability-only rate to a much higher rate of $3,376 for high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how where you live affects auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of using 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.
Rates by State, City, and Model
The chart below breaks down average Tesla Roadster insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $889
- Drivers who choose higher $1,000 deductibles will pay $210 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,558
- Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,964
- Higher-risk drivers with multiple tickets or accidents could pay around $3,376
- An auto insurance policy with full coverage for a teen driver with full coverage can cost $5,800 a year
Insurance prices for a Tesla Roadster also have a wide range based on the model of your Roadster, your driving characteristics, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,800 to $2,500 extra annually, depending on your age. High-risk driver insurance can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $620 every year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 more per year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Tesla Roadster insurance prices. A 40-year-old driver could pay as low as $1,200 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,220 on average in Louisiana, 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% |
| 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 Buy Affordable Tesla Roadster Insurance
Finding better rates on car insurance not only requires being safe and accident-free, but also having a good credit history, refrain from filing small claims, and possibly raising deductibles. Take the time to comparison shop every couple of years by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.
Below you'll find a brief review of the material that was touched on in the above illustrations.
- Policyholders who purchase more liability protection will pay around $530 per year to go from 30/60 bodily injury limits to higher 250/500 limits
- Youthful drivers are expensive to insure, with the cost nearing $483 per month including comprehensive and collision insurance
- Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,820 more per year than a low-risk driver
- Increasing policy deductibles could save up to $625 each year
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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