Tesla Model 3 Insurance
Average insurance costs for the Tesla Model 3 (2024-2026). Compare rates from 8+ top insurers and find the best coverage.
Full Coverage
$317/mo
Liability Only
$125/mo
Safety Rating
5★/5
Average Tesla Model 3 Insurance Rates
| Coverage Type | Monthly | Annual |
|---|---|---|
| Liability Only | $125 | $1,500 |
| Full Coverage | $317 | $3,800 |
Based on a 35-year-old driver with clean record and good credit. Rates vary by state, age, and driving history.
Tesla Model 3 Insurance Rates by Age
| Driver Age | Monthly Rate | Annual Rate |
|---|---|---|
| 18–25 | $373 | $4,476 |
| 26–35 | $317 | $3,804 |
| 36–55 | $281 | $3,372 |
| 55+ | $301 | $3,612 |
What Affects Your Tesla Model 3 Insurance Rate
- Vehicle Class: Compact EV Sedan
- Safety Rating: 5★ NHTSA, TSP+ IIHS
- Theft Risk: low
- Model Years: 2024-2026
Tesla Model 3 Safety Features
✓Autopilot
✓Automatic Emergency Braking
✓Forward Collision Warning
✓Blind Spot Monitoring
✓Lane Departure Avoidance
Available Discounts for Tesla Model 3
- %EV discount (5-10%)
- %Anti-theft system discount
- %Good driver discount
- %Paperless billing
- %Pay-in-full discount
Tesla Model 3 Theft Risk
Risk Level:Low
Low theft risk. High repair costs for EV components increase insurance.
Frequently Asked Questions
How much is insurance for a Tesla Model 3?▼
The average cost of Tesla Model 3 insurance is $317/month ($3,800/year) for full coverage. Liability-only coverage averages $125/month ($1,500/year).
Why is Tesla Model 3 insurance expensive?▼
Tesla insurance costs are driven by high repair costs for EV-specific components, expensive body panels, and specialized labor requirements.
Related Vehicles
Popular Compact EV Sedans
Compare insurance rates for other popular compact ev sedans
View all compact ev sedans →Ready to Save on Your Tesla Model 3 Insurance?
Get personalized quotes from top insurers in less than 2 minutes. Compare rates and find the best coverage.