Tesla Roadster Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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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U.S. average insurance prices for a Tesla Roadster are $1,414 every 12 months including full coverage. Comprehensive insurance costs approximately $296 each year, collision costs $486, and liability insurance 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 pay the highest rates at $5,332 a year or more.
Average premium for full coverage: $1,414
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Roadster models.
Price Range from Low to High
For the average 40-year-old driver, Tesla Roadster insurance prices go from the cheapest price of $522 for your basic liability-only policy to a high rate of $3,054 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than densely populated cities.
The graphic below illustrates the difference location can make on auto insurance prices.
The ranges above highlight why all drivers should get quotes using their specific location and their own driving history, rather than relying on 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.
More Rate Information
The chart below breaks down estimated Tesla Roadster insurance rates for additional coverage and risk scenarios.
- The best discount rate is $818
- Choosing higher $1,000 deductibles can save $178 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,414
- Using low deductibles for comp and collision coverage costs an extra $342 a year
- High-risk insureds who are prone to accidents and violations could pay around $3,054 or more
- The price to insure a teen driver can cost $5,332 each year
Insurance prices for a Tesla Roadster are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Roadster.
Using high physical damage deductibles can save as much as $520 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Tesla Roadster insurance rates. A good driver about age 40 could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,020 on average in Louisiana, New York, 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% |
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices may be quite different.
| 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 Shop for the Right Tesla Roadster Insurance
Getting lower rates on Tesla Roadster insurance takes having a decent driving record, having above-average credit, being claim-free, and qualifying for all possible discounts. Make time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The following items are a quick rundown of the primary concepts that were touched on in this article.
- You may be able to save around $170 per year simply by quoting online in advance
- High-risk drivers with reckless driving or DUI convictions could be charged and average of $1,640 more per year than a driver with a clean driving record
- Increasing physical damage deductibles could save as much as $525 each year
- 16 to 18-year-old drivers are the costliest to insure, possibly costing $444 a month if full coverage is included
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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