Tesla Insurance Cost Estimator by Model, Year and State (2026)
Pick your Tesla, model year and state to see a typical monthly insurance range and how Tesla Insurance, Lemonade, State Farm and GEICO compare where you live.
What drives Tesla insurance cost
- Repair costs: aluminum castings, sensors and limited approved body shops make even small Tesla repairs expensive, and insurers price that in.
- Model and price: the Model 3 is usually the cheapest Tesla to insure; the Model S, Model X and Cybertruck cost the most.
- State and ZIP code: dense, high-claim states like California, Florida, New York and Michigan cost far more than rural states.
- Your driving record and mileage: in California these are required to be the top rating factors.
How to use these numbers
The estimator uses published averages for a driver with a clean record and full coverage. Your quote can be much higher or lower, so use it to see which insurers are worth quoting first — then get two or three real quotes.
Frequently asked questions
Which Tesla is cheapest to insure?
The Model 3 is usually the cheapest Tesla to insure, followed closely by the Model Y. The Model S, Model X and Cybertruck cost the most because of their higher prices and repair costs.
Is Tesla Insurance cheaper than other insurers?
Sometimes. Tesla Insurance prices most states using its Safety Score, so careful drivers can pay much less. In California it can't use real-time driving data, so it competes on traditional factors instead. Compare it with at least two other quotes.
Where is Tesla Insurance available?
As of October 2026: Arizona, California, Colorado, Florida, Illinois, Indiana, Maryland, Minnesota, Nevada, Ohio, Oregon, Tennessee, Texas, Utah and Virginia. Check the Tesla app for the latest list.
Related guides
More free Tesla tools
Supercharger Cost Calculator
Estimate what Supercharging costs per session, per mile and per month for your Tesla — with peak and off-peak California rates, home charging and gas compared.
California Registration Fee Calculator
Itemized estimate of your California Tesla registration: VLF, Transportation Improvement Fee, the $121 EV Road Improvement Fee, CHP and DMV fees.
California Lemon Law Checker
Answer seven questions to see whether your Tesla meets California's lemon law presumption (18 months / 18,000 miles) and what to do next.
Lemonade vs Tesla Insurance Calculator
See how much Lemonade's 50% FSD-mile discount could save you compared with your current Tesla insurance premium.
Is Lemonade Right for Me? Quiz
A one-minute quiz that checks your state, hardware and driving habits to tell you whether Lemonade Car is worth a quote for your Tesla.
FSD Transfer Checker
Check whether Full Self-Driving stays with a used Tesla, based on when FSD was bought and Tesla's current transfer rules.
FSD Buy vs Subscribe Calculator
Compare the total cost of the $99/month FSD subscription with the old one-time purchase price over the years you plan to own the car.
Hardware Version Checker
Find out whether a Tesla has HW3, HW4 or AI5 from its model and build date, and which FSD versions and insurance discounts it supports.