Tesla Roadster Insurance Rates
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Michelle Robbins
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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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The average auto insurance rates for a Tesla Roadster are $1,414 annually for full coverage insurance. Comprehensive insurance costs approximately $296, collision insurance costs $486, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs $3,054 or more. 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:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all Roadster models.
Price Range Variability
For a 40-year-old driver, Tesla Roadster insurance rates range from as cheap as $522 for minimum levels of liability insurance to the much higher price of $3,054 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas. The example below illustrates how your location can change auto insurance prices.
The examples above illustrate why everyone should compare rates using their specific location and their own personal driving habits, 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 Details
The chart below illustrates average Tesla Roadster insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $818
- Drivers who choose higher $1,000 deductibles will pay $178 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,414
- Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $342 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,054
- Policy cost with full coverage for a teen driver for full coverage can cost $5,332 a year
Auto insurance rates for a Tesla Roadster also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. Tesla Roadster insurance for high-risk drivers can cost as much as 43% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $520 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Tesla Roadster insurance prices. A 40-year-old driver could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,910 on average in Florida, New York, and Michigan.
| 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 Buy More Affordable Tesla Roadster Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and possibly higher deductibles. Invest the time to shop around at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a summary of the data illustrated above.
- Policyholders who purchase higher liability limits will pay about $520 annually to go from a 30/60 limit to higher 250/500 limits
- It is possible to save around $170 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $525 each year
- Teenagers have the highest car insurance rates, possibly costing $444 each month if full coverage is included
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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