Tesla Roadster Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 29, 2024

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Estimated auto insurance rates for a Tesla Roadster are $1,482 annually including full coverage. Comprehensive insurance costs around $314, collision insurance costs $536, and liability is $474. A policy with only liability insurance costs around $522 a year, and a high-risk policy costs $3,206 or more. Teenage drivers pay the most at up to $5,554 a year.

Average premium for full coverage: $1,482

Premium estimates for type of coverage:

Comprehensive $314
Collision $536
Liability $474

Prices include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Roadster models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Tesla Roadster range from as cheap as $522 for just liability insurance to the much higher price of $3,206 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance rates.

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

These rate differences highlight why everyone should compare rates quotes for a specific zip code and their own personal driving habits, 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.

More Rate Details

The chart below breaks down average Tesla Roadster insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $850
  • Raising to $1,000 deductibles will save about $194 every year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,482
  • Using pricier low deductibles costs an additional $372 every year
  • At-risk drivers who are prone to accidents and violations could pay at least $3,206
  • An auto insurance policy with full coverage for a teen driver for full coverage can be $5,554

View Chart as Image

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

Car insurance prices for a Tesla Roadster also have a wide range based on the model of your Roadster, your driving characteristics, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,800 to $2,400 extra annually, depending on your age. Tesla Roadster insurance for high-risk drivers is expensive and can cost as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $570 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Tesla Roadster insurance prices. A middle-age driver might find prices as low as $1,140 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,110 on average in Michigan, New York, and Louisiana.

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 $336 $586 $478 $1,558
2010 Tesla Roadster $314 $536 $474 $1,482
2008 Tesla Roadster $286 $436 $468 $1,348

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 Right Tesla Roadster Insurance

Finding better rates on car insurance consists of avoiding accidents and claims, having a good credit score, refrain from filing small claims, and consideration of higher deductibles. Set aside time to shop around every year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The points below are a quick rundown of the coverage data raised in the charts and tables above.

  • You may be able to save up to $180 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save up to $575 each year
  • Drivers under the age of 20 are the costliest to insure, with the cost nearing $463 per month if comprehensive and collision insurance is included
  • Higher risk drivers with reckless driving or DUI convictions may pay on average $1,720 more every year to insure a Tesla Roadster

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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