Tesla Roadster Insurance Rates

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View 2010 Tesla Roadster Insurance Quotes in 2025

Want the cheapest insurance rates for your Tesla Roadster? Saving money on Driversinsurance might be difficult for people new to online insurance quotes. With more and more online companies available, it can be hard work to find the best premium rates. Consumers should take time to take a look at other company's rates before your policy renews since insurance prices change frequently. Even if you ...

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UPDATED: Mar 29, 2024

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U.S. average auto insurance rates for a Tesla Roadster are $1,482 annually for full coverage. Comprehensive costs on average $314 a year, collision insurance costs $536, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $3,206. 16-year-old drivers pay the highest rates at up to $5,554 a year.

Average premium for full coverage: $1,482

Price estimates by individual coverage:

Comprehensive $314
Collision $536
Liability $474

Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Roadster trim levels.

Price Range from Low to High

For an average driver, Tesla Roadster insurance prices range from as cheap as $522 for minimum levels of liability insurance to a high of $3,206 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $1,482
High Risk $3,206

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have fewer accident claims than congested cities. The diagram below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,112
Small Cities $1,556
Large Cities $2,001

The ranges above show why it is important to compare prices based on a 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.

Additional Rate Details

The chart below shows average Tesla Roadster insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $850
  • Using higher $1,000 deductibles will save around $1,288 a year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,482
  • Buying low $100 deductibles for physical damage coverage will cost $1,854
  • Drivers with multiple tickets or accidents could pay upwards of $3,206
  • The price with full coverage for a teen driver may cost $5,554 or more

View Chart as Image

Tesla Roadster insurance cost comparison chart
Column chart showing Tesla Roadster insurance rates range from $850 to $5,554 for full coverage

Auto insurance prices for a Tesla Roadster are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,800 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $570 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Tesla Roadster insurance prices. A driver around age 40 might see prices as low as $980 a year in states like Idaho, Maine, and Iowa, or at least $2,110 on average in Michigan, Louisiana, and New York.

Tesla Roadster Insurance Rates by State
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%

View Chart as Image

Tesla Roadster insurance rates by U.S. city
Tesla Roadster Insurance Rates by Model Year
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 Buy the Best Tesla Roadster Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at every policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below is a brief recap of the data covered in the above illustrations.

  • Policyholders who require higher levels of liability will pay around $520 each year to increase from a low limit to higher 250/500 limits
  • Drivers can save as much as $180 per year just by quoting early and online
  • Increasing physical damage deductibles could save up to $575 each year
  • Teenage drivers are charged the highest prices, with premiums as much as $463 a month if full coverage is included

Rates by Driver Age

Tesla Roadster Insurance 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

Tesla Roadster Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,854
$250 $1,682
$500 $1,482
$1,000 $1,288

Full coverage, driver age 40

Rates by Liability Limit

Tesla Roadster Insurance Rates with Different Liability Limits
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

Tesla Roadster Insurance 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.

SR-22 Surcharge $207

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
Rate after discounts $850

Discounts are estimated and may not be available from every company or in every state.

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