Tesla Roadster Insurance Rates
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UPDATED: Mar 29, 2024
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The average insurance rates for a Tesla Roadster are $1,414 a year with full coverage. Comprehensive insurance costs an estimated $296 a year, collision costs $486, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing $3,054 or more. Teenage drivers cost the most to insure at $5,332 a year or more.
Average premium for full coverage: $1,414
Policy rates broken down by type of insurance:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Roadster trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Tesla Roadster insurance rates go from as low as $522 for a discount liability-only rate to a high of $3,054 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.
The diagram below illustrates how rural and urban location affects insurance prices.
The examples above demonstrate why it is important to get quotes for a targeted area and risk profile, instead of using average rates.
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 details estimated Tesla Roadster insurance rates for other coverage scenarios.
- The best discount rate is $818
- Choosing higher $1,000 deductibles can save approximately $1,236 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,414
- Using low $100 deductibles for comp and collision coverage will cost an extra $342 every year
- Unlucky drivers who are prone to accidents and violations could pay up to $3,054 or more
- Policy cost for full coverage for a teen driver can cost as much as $5,332 each year
Insurance rates for a Tesla Roadster also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $5,300 a year. View Rates by Age
Your home state plays a big part in determining prices for Tesla Roadster insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,910 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles can save as much as $520 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 134% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates will be varied from one company to the next.
| 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
Finding cheaper rates on car insurance takes avoiding accidents and claims, maintaining good credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around at least every other year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a review of the car insurance concepts raised in the charts and tables above.
- Higher risk drivers who have several accidents or serious violations may pay on average $1,640 more annually to insure a Tesla Roadster
- You may be able to save approximately $170 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $525 each year
- Policyholders who want increased liability limits will pay an extra $520 every year to raise limits from a 30/60 limit to 250/500 limits
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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