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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The average auto insurance rates for a Tesla Roadster are $1,482 annually with full coverage. Comprehensive costs on average $314, collision insurance costs $536, and liability coverage costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $3,206. Teen drivers cost the most to insure at up to $5,554 a year.

Average premium for full coverage: $1,482

Policy rates by type of insurance:

Comprehensive $314
Collision $536
Liability $474

Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Roadster models.

Price Range Variability

For a driver in their 40's, Tesla Roadster insurance rates range from as cheap as $522 for just liability coverage to the much higher price of $3,206 for a driver that may need high-risk insurance.

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

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Rural areas are shown to have fewer collision claims than larger metro areas. The example below illustrates how location helps determine car insurance rates.

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

The examples above demonstrate why everyone should compare prices based on a specific location and their own personal driving habits, rather than using price 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.

Detailed Rate Analysis

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

  • The lowest rate with discounts is $850
  • Using higher $1,000 deductibles will save around $194 annually
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,482
  • Choosing pricier low deductibles for physical damage coverage will cost $1,854
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,206
  • Policy cost with full coverage for a teenage driver for full coverage 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 rates for a Tesla Roadster also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, 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 a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,800 to $2,400 in extra premium every year, depending on your age. Tesla Roadster insurance for high-risk drivers can be around 43% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $570 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Tesla Roadster insurance rates. A driver around age 40 might see rates as low as $1,070 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,000 on average in Florida, Michigan, 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 Affordable Tesla Roadster Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a brief review of the data that was covered in the charts and tables above.

  • You may be able to save as much as $180 per year just by quoting online well ahead of the renewal date
  • Consumers who require higher levels of liability will pay about $520 every year to increase from a 30/60 limit to higher 250/500 limits
  • Teenage drivers are charged the highest rates, as much as $463 each month if full coverage is included
  • Drivers with DUI or reckless driving convictions pay an average of $1,720 more each year for auto insurance

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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