Tesla Roadster Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated auto insurance rates for a Tesla Roadster are $1,348 annually for full coverage insurance. Comprehensive insurance costs around $286 a year, collision costs $436, and liability is estimated at $468. Liability-only coverage costs approximately $518 a year, with high-risk coverage costing $2,908 or more. Teens pay the most at $5,106 a year or more.
Average premium for full coverage: $1,348
Premium estimates for type of coverage:
Estimates include $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Roadster trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Tesla Roadster go from as cheap as $518 for your basic liability-only policy to a high of $2,908 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects auto insurance rates.
These rate differences illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, instead of using averaged prices.
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 illustrates estimated Tesla Roadster insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $788
- Choosing higher $1,000 deductibles can save about $1,184 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,348
- Selecting low $100 deductibles for comp and collision coverage costs an additional $316 every year
- Unlucky drivers with serious driving violations could pay at least $2,908 or more
- An auto insurance policy with full coverage for a teen driver can be $5,106 each year
Insurance prices for a Tesla Roadster also have a wide range based on the model of your Roadster, your risk profile, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $480 every year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $421 more per year. View Rates by Deductible or Liability Limit
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 $880 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,820 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out your exact price is to get quotes and see which company has the best price. Each auto insurer calculates prices differently, so the prices will be substantially different between companies.
| 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 Low Cost Tesla Roadster Insurance
Finding better rates on car insurance takes having a good driving record, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop every couple of years by getting rate quotes from direct insurance companies, and also from several local insurance agents.
The next list is a review of the material that was touched on in the above illustrations.
- Policyholders who may need increased levels of liability coverage will pay approximately $520 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
- Drivers age 20 and younger pay higher prices, with premiums being up to $426 per month including comprehensive and collision insurance
- Higher risk drivers who have several accidents or serious violations pay on average $1,560 more every year to buy Tesla Roadster insurance
- Increasing policy deductibles could save up to $475 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,664 |
| $250 | $1,520 |
| $500 | $1,348 |
| $1,000 | $1,184 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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