Tesla Roadster Insurance Rates
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Michelle Robbins
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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 costs on average $296 each year, collision insurance costs $486, and liability insurance costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs around $3,054. Teen drivers cost the most to insure at up to $5,332 a year.
Average premium for full coverage: $1,414
Policy rates by type of insurance:
Estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Roadster models.
Price Range Variability
For the average 40-year-old driver, Tesla Roadster insurance rates range from as low as $522 for just liability coverage to a high rate of $3,054 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates the difference location can make on car insurance rates.
The examples above demonstrate why all drivers should compare rates based on a specific location and risk profile, rather than relying on 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.
Detailed Rate Analysis
The chart below details average Tesla Roadster insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $818
- Drivers who choose higher $1,000 deductibles will pay around $178 annually
- The average rate for a good driver age 40 with $500 deductibles is $1,414
- Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,756
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,054
- Policy cost for full coverage for a teen driver may cost $5,332 a year
Auto insurance rates for a Tesla Roadster also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.
More mature drivers with a good driving record and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $5,300 a year. View Rates by Age
Your home state makes a big difference in Tesla Roadster insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,910 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles could save up to $520 each year, whereas increasing liability limits will cost you more. Moving 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 may be forking out at a minimum $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates
| 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 Tesla Roadster insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates every year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
The points below are a review of the coverage data touched on in this article.
- You may be able to save as much as $170 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $525 each year
- Drivers under the age of 20 are charged the highest rates, as much as $444 each month if they have full coverage
- High-risk drivers who have several accidents or serious violations may be required to pay an average of $1,640 more each year to insure a Tesla Roadster
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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