Tesla Roadster Insurance Rates
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Michelle Robbins
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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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Average insurance rates for a Tesla Roadster are $1,414 a year for full coverage. Comprehensive costs approximately $296, collision insurance costs $486, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs around $3,054. Teen drivers receive the highest rates at up to $5,332 a year.
Average premium for full coverage: $1,414
Rate estimates by individual coverage type:
Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Roadster trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the low end price of $522 for a discount liability-only rate to a much higher rate of $3,054 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural locations tend to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance prices.
These examples show why anyone shopping for car insurance should get quotes using their specific location, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below shows average Tesla Roadster insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $818
- Choosing higher $1,000 deductibles can save $178 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,414
- Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $1,756
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,054
- The cost that insures a 16-year-old driver with full coverage can cost $5,332 each year
Insurance rates for a Tesla Roadster can also vary considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,700 to $2,300 additional per year, depending on your age. High-risk driver insurance ranges from 43% to 134% more than average. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
Where you live plays a big part in determining prices for Tesla Roadster insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,020 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,278 | -$136 | -9.6% |
| Alaska | $1,082 | -$332 | -23.5% |
| Arizona | $1,174 | -$240 | -17.0% |
| Arkansas | $1,414 | -$0 | 0.0% |
| California | $1,610 | $196 | 13.9% |
| Colorado | $1,350 | -$64 | -4.5% |
| Connecticut | $1,454 | $40 | 2.8% |
| Delaware | $1,600 | $186 | 13.2% |
| Florida | $1,770 | $356 | 25.2% |
| Georgia | $1,302 | -$112 | -7.9% |
| Hawaii | $1,014 | -$400 | -28.3% |
| Idaho | $956 | -$458 | -32.4% |
| Illinois | $1,052 | -$362 | -25.6% |
| Indiana | $1,062 | -$352 | -24.9% |
| Iowa | $954 | -$460 | -32.5% |
| Kansas | $1,344 | -$70 | -5.0% |
| Kentucky | $1,928 | $514 | 36.4% |
| Louisiana | $2,092 | $678 | 47.9% |
| Maine | $872 | -$542 | -38.3% |
| Maryland | $1,166 | -$248 | -17.5% |
| Massachusetts | $1,130 | -$284 | -20.1% |
| Michigan | $2,456 | $1,042 | 73.7% |
| Minnesota | $1,182 | -$232 | -16.4% |
| Mississippi | $1,692 | $278 | 19.7% |
| Missouri | $1,254 | -$160 | -11.3% |
| Montana | $1,518 | $104 | 7.4% |
| Nebraska | $1,112 | -$302 | -21.4% |
| Nevada | $1,694 | $280 | 19.8% |
| New Hampshire | $1,016 | -$398 | -28.1% |
| New Jersey | $1,578 | $164 | 11.6% |
| New Mexico | $1,252 | -$162 | -11.5% |
| New York | $1,490 | $76 | 5.4% |
| North Carolina | $814 | -$600 | -42.4% |
| North Dakota | $1,158 | -$256 | -18.1% |
| Ohio | $976 | -$438 | -31.0% |
| Oklahoma | $1,452 | $38 | 2.7% |
| Oregon | $1,294 | -$120 | -8.5% |
| Pennsylvania | $1,350 | -$64 | -4.5% |
| Rhode Island | $1,884 | $470 | 33.2% |
| South Carolina | $1,280 | -$134 | -9.5% |
| South Dakota | $1,194 | -$220 | -15.6% |
| Tennessee | $1,238 | -$176 | -12.4% |
| Texas | $1,704 | $290 | 20.5% |
| Utah | $1,046 | -$368 | -26.0% |
| Vermont | $968 | -$446 | -31.5% |
| Virginia | $848 | -$566 | -40.0% |
| Washington | $1,094 | -$320 | -22.6% |
| West Virginia | $1,294 | -$120 | -8.5% |
| Wisconsin | $978 | -$436 | -30.8% |
| Wyoming | $1,260 | -$154 | -10.9% |
Choosing high deductibles can save as much as $520 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Tesla Roadster | $296 | $486 | $474 | $1,414 |
| 2010 Tesla Roadster | $286 | $436 | $468 | $1,348 |
| 2008 Tesla Roadster | $276 | $406 | $452 | $1,292 |
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 Low Cost Tesla Roadster Insurance
Saving money on insurance for a Tesla Roadster takes not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Shop around at every other renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a review of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,640 more per year for Roadster insurance
- Teens are the costliest to insure, costing as high as $444 per month if comprehensive and collision insurance is included
- Drivers can save around $170 per year just by shopping early and online
- Increasing deductibles can save approximately $525 each year
- Drivers can save around $170 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,332 |
| 20 | $3,242 |
| 30 | $1,466 |
| 40 | $1,414 |
| 50 | $1,292 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,756 |
| $250 | $1,598 |
| $500 | $1,414 |
| $1,000 | $1,236 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,414 |
| 50/100 | $1,509 |
| 100/300 | $1,627 |
| 250/500 | $1,935 |
| 100 CSL | $1,556 |
| 300 CSL | $1,817 |
| 500 CSL | $2,007 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,598 |
| 20 | $5,170 |
| 30 | $3,114 |
| 40 | $3,054 |
| 50 | $2,916 |
| 60 | $2,888 |
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 | $75 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $62 |
| Advance Quote | $69 |
| Online Quote | $100 |
| Total Discounts | $596 |
Discounts are estimated and may not be available from every company or in every state.
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