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 $1,482 a year for full coverage insurance. Comprehensive insurance costs approximately $314 a year, collision costs $536, and liability costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing $3,206 or more. Teen drivers cost the most to insure at $5,554 a year or more.
Average premium for full coverage: $1,482
Policy rates by type of insurance:
Price estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Roadster trim levels.
Price Range Variability
For the average driver, Tesla Roadster insurance rates go from as low as $522 for the bare minimum liability coverage to a high of $3,206 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.
The diagram below illustrates how location impacts auto insurance prices.
The examples above illustrate why it is important to compare prices using their specific location and risk profile, instead of using 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.
Additional Rate Information
The chart below illustrates estimated Tesla Roadster insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $850
- Using higher $1,000 deductibles will save $1,288 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,482
- Choosing low $100 deductibles for physical damage coverage will cost an extra $372 every year
- Drivers with multiple violations and an at-fault accident could pay around $3,206 or more
- Policy cost for full coverage for a teen driver can cost $5,554 or more
Auto insurance rates for a Tesla Roadster also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $5,500 a year. View Rates by Age
Your home state has a huge impact on Tesla Roadster insurance prices. A driver around age 40 might see rates as low as $970 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,000 on average in Florida, New York, and Michigan.
| 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% |
Choosing high deductibles could cut rates by as much as $570 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,800 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 136% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Tesla Roadster | $314 | $536 | $474 | $1,482 |
| 2010 Tesla Roadster | $296 | $486 | $474 | $1,414 |
| 2008 Tesla Roadster | $282 | $426 | $460 | $1,326 |
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 Cheaper Tesla Roadster Insurance
Finding cheaper rates on car insurance requires having a good driving record, having good credit, being claim-free, and not having any coverage lapses. Spend time shopping around at every policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The next list is a condensed summary of the data touched on above.
- Policyholders who purchase increased levels of liability coverage will pay about $520 annually to increase from a 30/60 limit to 250/500 limits
- It is possible to save around $180 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $575 each year
- Drivers age 20 and younger have the highest car insurance rates, possibly costing $463 each month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,854 |
| $250 | $1,682 |
| $500 | $1,482 |
| $1,000 | $1,288 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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