Tesla Insurance Cost
Across 5 current Tesla models, full coverage averages about $1,781 a year by our estimate — +12% versus the average vehicle ($1,590).
Tesla insurance profile
Tesla’s lineup is made up mostly of 1 midsize suv, 1 midsize car, and 1 pickup truck. HLDI collision losses for its models average 171 (100 = all-vehicle average).
Every Tesla model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Model Y | Midsize SUV | 2020–2027 | 118 | $1,505 | −5% |
| Cybertruck | Pickup truck | 2025–2026 | — | $1,600 | +1% |
| Model 3 | Midsize car | 2017–2027 | 133 | $1,670 | +5% |
| Model S | Full-size car | 2012–2026 | 216 | $2,025 | +27% |
| Model X | Large SUV | 2016–2026 | 218 | $2,105 | +32% |
What makes Tesla insurance cost more or less
- EV batteries: 5 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 4 models range from 118 to 218, so the model you pick matters as much as the brand.
- Segment mix: 1 midsize suv, 1 midsize car, 1 pickup truck, 1 large suv, 1 full-size car.
Average Tesla insurance cost by state
Average full-coverage estimate across current Tesla models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,182 | −34% |
| North Dakota | $1,217 | −32% |
| Vermont | $1,238 | −30% |
| Idaho | $1,239 | −30% |
| Wisconsin | $1,257 | −29% |
| Iowa | $1,272 | −29% |
| Hawaii | $1,292 | −27% |
| Indiana | $1,309 | −27% |
| Ohio | $1,318 | −26% |
| New Hampshire | $1,323 | −26% |
| North Carolina | $1,417 | −20% |
| South Dakota | $1,438 | −19% |
| Wyoming | $1,475 | −17% |
| Kansas | $1,479 | −17% |
| Montana | $1,481 | −17% |
| Nebraska | $1,484 | −17% |
| Kentucky | $1,509 | −15% |
| Minnesota | $1,530 | −14% |
| Washington | $1,543 | −13% |
| Tennessee | $1,545 | −13% |
| West Virginia | $1,551 | −13% |
| Virginia | $1,562 | −12% |
| Oregon | $1,574 | −12% |
| Illinois | $1,596 | −10% |
| Utah | $1,601 | −10% |
| Alaska | $1,610 | −10% |
| Alabama | $1,615 | −9% |
| Pennsylvania | $1,626 | −9% |
| New Mexico | $1,639 | −8% |
| Arkansas | $1,654 | −7% |
| Missouri | $1,657 | −7% |
| Oklahoma | $1,667 | −6% |
| Mississippi | $1,755 | −1% |
| Massachusetts | $1,804 | +1% |
| California | $1,842 | +3% |
| South Carolina | $1,868 | +5% |
| Arizona | $1,876 | +5% |
| Connecticut | $1,893 | +6% |
| Delaware | $1,940 | +9% |
| Nevada | $1,974 | +11% |
| Michigan | $2,004 | +13% |
| Maryland | $2,014 | +13% |
| Colorado | $2,045 | +15% |
| New Jersey | $2,107 | +18% |
| Rhode Island | $2,145 | +20% |
| Georgia | $2,162 | +21% |
| Texas | $2,165 | +22% |
| District of Columbia | $2,320 | +30% |
| New York | $2,358 | +32% |
| Florida | $2,438 | +37% |
| Louisiana | $2,473 | +39% |
Frequently asked questions
How much does it cost to insure a Tesla?
Across 5 current Tesla models, our full-coverage estimate averages $1,781 a year for a driver in their 30s with a clean record, 12% more than the average vehicle ($1,590).
What is the cheapest Tesla to insure?
The Tesla Model Y has the lowest estimate at about $1,505 a year for full coverage; the Tesla Model X is the most expensive at about $2,105.
Are Tesla repairs expensive for insurers?
HLDI collision-loss data for 4 Tesla models averages 171 (100 = average of all vehicles), which is much worse than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Tesla?
By our estimates, Maine is the cheapest state (about $1,182 a year on average across current models) and Louisiana the most expensive (about $2,473).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.