Tesla Roadster Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Average auto insurance rates for a Tesla Roadster are $1,348 annually including full coverage. Comprehensive costs approximately $286, collision insurance costs $436, and liability is estimated at $468. A policy with just liability insurance costs approximately $518 a year, and coverage for high-risk drivers costs around $2,908. Teenage drivers receive the highest rates at up to $5,106 a year.

Average premium for full coverage: $1,348

Rate estimates by individual coverage type:

Comprehensive $286
Collision $436
Liability $468

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for different Roadster trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from as cheap as $518 for a discount liability-only rate to a much higher rate of $2,908 for a policy for a high-risk driver.

Liability Only $518
Full Coverage $1,348
High Risk $2,908

Price Range by Location

Living in a larger city can have significant affects on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance prices.

Rural Areas $1,011
Small Cities $1,415
Large Cities $1,820

These examples highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of using average rates.

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.

Rates by State, City, and Model

The chart below breaks down average Tesla Roadster insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $788
  • Choosing higher $1,000 deductibles can save $164 every year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,348
  • Using more expensive low deductibles for comp and collision coverage will cost $1,664
  • Unlucky drivers who are prone to accidents and violations could pay around $2,908
  • The cost with full coverage for a teen driver with full coverage can cost $5,106 each year

View Chart as Image

Tesla Roadster insurance cost comparison chart
Column chart showing Tesla Roadster insurance rates range from $788 to $5,106 for full coverage

Insurance rates for a Tesla Roadster can also vary considerably based on the trim level of your Roadster, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 additional per year, depending on your age. High-risk driver insurance ranges as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $480 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $421 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Tesla Roadster insurance prices. A good driver about age 40 could pay as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,930 on average in Louisiana, New York, and Michigan.

Tesla Roadster Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,220 -$128 -9.5%
Alaska $1,036 -$312 -23.1%
Arizona $1,120 -$228 -16.9%
Arkansas $1,348 -$0 0.0%
California $1,538 $190 14.1%
Colorado $1,290 -$58 -4.3%
Connecticut $1,388 $40 3.0%
Delaware $1,528 $180 13.4%
Florida $1,690 $342 25.4%
Georgia $1,246 -$102 -7.6%
Hawaii $970 -$378 -28.0%
Idaho $914 -$434 -32.2%
Illinois $1,008 -$340 -25.2%
Indiana $1,018 -$330 -24.5%
Iowa $910 -$438 -32.5%
Kansas $1,284 -$64 -4.7%
Kentucky $1,842 $494 36.6%
Louisiana $1,998 $650 48.2%
Maine $834 -$514 -38.1%
Maryland $1,112 -$236 -17.5%
Massachusetts $1,078 -$270 -20.0%
Michigan $2,346 $998 74.0%
Minnesota $1,130 -$218 -16.2%
Mississippi $1,616 $268 19.9%
Missouri $1,198 -$150 -11.1%
Montana $1,452 $104 7.7%
Nebraska $1,066 -$282 -20.9%
Nevada $1,620 $272 20.2%
New Hampshire $972 -$376 -27.9%
New Jersey $1,510 $162 12.0%
New Mexico $1,196 -$152 -11.3%
New York $1,424 $76 5.6%
North Carolina $778 -$570 -42.3%
North Dakota $1,106 -$242 -18.0%
Ohio $934 -$414 -30.7%
Oklahoma $1,386 $38 2.8%
Oregon $1,236 -$112 -8.3%
Pennsylvania $1,286 -$62 -4.6%
Rhode Island $1,802 $454 33.7%
South Carolina $1,224 -$124 -9.2%
South Dakota $1,140 -$208 -15.4%
Tennessee $1,182 -$166 -12.3%
Texas $1,626 $278 20.6%
Utah $998 -$350 -26.0%
Vermont $924 -$424 -31.5%
Virginia $810 -$538 -39.9%
Washington $1,042 -$306 -22.7%
West Virginia $1,236 -$112 -8.3%
Wisconsin $934 -$414 -30.7%
Wyoming $1,202 -$146 -10.8%

View Chart as Image

Tesla Roadster insurance rates by U.S. city
Tesla Roadster Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2008 Tesla Roadster $286 $436 $468 $1,348

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 the Best Tesla Roadster Insurance

Saving money on car insurance takes avoiding accidents and violations, having good credit, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates every year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The list below is a brief recap of the coverage data presented in the illustrations above.

  • You may be able to save around $160 per year just by shopping early and online
  • Increasing deductibles could save up to $475 each year
  • Teenagers are the costliest to insure, as much as $426 per month if they have full coverage
  • Higher risk drivers who tend to receive serious violations may have to pay on average $1,560 more per year for car insurance

Rates by Driver Age

Tesla Roadster Insurance Rates by Driver Age
Driver Age Premium
16 $5,106
20 $3,082
30 $1,398
40 $1,348
50 $1,234
60 $1,208

Full coverage, $500 deductibles

Rates by Deductible

Tesla Roadster Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,664
$250 $1,520
$500 $1,348
$1,000 $1,184

Full coverage, driver age 40

Rates by Liability Limit

Tesla Roadster Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,348
50/100 $1,442
100/300 $1,559
250/500 $1,863
100 CSL $1,488
300 CSL $1,746
500 CSL $1,933

Full coverage, driver age 40

Rates for High Risk Drivers

Tesla Roadster Insurance Rates for High Risk Drivers
Age Premium
16 $7,260
20 $4,910
30 $2,960
40 $2,908
50 $2,774
60 $2,748

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.

SR-22 Surcharge $184

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $71
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $87
Paid in Full/EFT $58
Advance Quote $64
Online Quote $95
Total Discounts $560
Rate after discounts $788

Discounts are estimated and may not be available from every company or in every state.

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