Tesla Insurance Cost Estimator by Model, Year and State (2026)
Tesla insurance typically costs $110–$250 a month for full coverage, depending on the model, your state and your record. Pick your Tesla, model year and state to see your range and how Tesla Insurance, Lemonade, State Farm and GEICO compare.
Typical monthly cost by model
Full coverage for a clean-record adult driver with a 2025 car, in an average-cost state:
- Model 3: about $110–$170 a month — usually the cheapest Tesla to insure.
- Model Y: about $165–$200 a month.
- Model S, Model X and Cybertruck: more, because of their prices and repair costs.
How much your state changes it
High-claim states such as California, Florida, Michigan, New York, New Jersey, Louisiana and Nevada can run around 45% above those numbers. Lower-cost states such as Ohio, Indiana, Iowa, Wisconsin and Maine can run about 25% below. Choose your state above to see the adjusted range.
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
- Best Insurance for a Tesla Model Y: Cheapest Rates Compared (2026)
- Tesla Model 3 Insurance Cost: Average Rates by Trim and Insurer (2026)
- Tesla Auto Insurance: How It Works, Costs and Whether It's Worth It
- Cheapest Tesla to Insure in 2026: Every Model Ranked
- Is Tesla Insurance Cheaper? Why Teslas Cost More to Insure (2026)
- Tesla Model Y Insurance Cost in California (2026 Guide)
- Tesla Model 3 Insurance Cost in California (2026): What You'll Really Pay
- How Much Is Tesla Insurance Per Month? 2026 Cost Breakdown by Model
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