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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Estimated insurance prices for a Tesla Roadster are $1,414 every 12 months for full coverage. Comprehensive costs on average $296 a year, collision insurance costs $486, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs around $3,054. Teen drivers pay the most at up to $5,332 a year.
Average premium for full coverage: $1,414
Premium estimates by type of coverage:
Price estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Roadster trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Tesla Roadster range from the cheapest price of $522 for your basic liability-only policy to a high of $3,054 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than larger metro areas. The diagram below illustrates how your location can change car insurance rates.
These rate differences show why it is important to get quotes based on a specific location and their own driving history, instead of making a decision based 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.
More Rate Information
The chart below shows average Tesla Roadster insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $818
- Choosing higher $1,000 deductibles can save around $1,236 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,414
- Choosing low $100 deductibles for comp and collision coverage increases the price to $1,756
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,054
- An auto insurance policy to insure a 16-year-old driver may cost $5,332 each year
Insurance prices for a Tesla Roadster also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Roadster.
Choosing high deductibles can save as much as $520 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay upwards of $5,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy ranges from 43% to 134% more than average. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Tesla Roadster insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or as much as $2,020 on average in Michigan, Louisiana, 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% |
| 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 Cheaper Tesla Roadster Insurance
Finding better rates on insurance for a Tesla Roadster takes not taking risks behind the wheel, having good credit, not filing small claims, and determing if full coverage is necessary. Invest the time to shop around every time your policy renews by getting price quotes from direct carriers, and also from local independent and exclusive agents.
The following is a condensed summary of the information illustrated above.
- Drivers can save as much as $170 per year just by quoting early and online
- Teens pay the highest prices, as much as $444 per month if they have full coverage
- Increasing policy deductibles could save as much as $525 each year
- Drivers considered higher risk with multiple at-fault accidents pay an average of $1,640 more each year for Roadster insurance
- Insureds who require higher liability limits will pay about $520 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
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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