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Tesla Model S Car Insurance
How much does car insurance cost for your Tesla Model S? We collected quotes from thousands of drivers to find cheapest rate.
Compare Car Insurance Rates for Your Model S
What is the Average Cost to Insure a Tesla Model S?
Tesla Model S
How much does car insurance cost for Tesla Model S? Your age, location, driving history, education and marital status all play a major factor in the price you pay to insure your vehicle. We analyzed our car insurance rate data and calculated the average rate that you can expect to pay based on your age. We also looked at the average rate that some of the top car insurance companies are charging drivers. Keep in mind, these are just average and your actual price may vary. Check out more information about the Tesla Model S below.
Tesla Model S Insurance Model Year by Age Group
The price you pay to insure your Tesla Model S can vary based on your age group. Here are the average rates you can expect to pay.
| Year | 16-19 yr old | 20-29 yr old | 30-39 yr old | 40-49 yr old | 50-59 yr old | 60+ yr old |
| 2021 | $296.40 / mo | $134.60 / mo | $57.52 / mo | $163.49 / mo | $300.94 / mo | $162.26 / mo |
| 2020 | $566.35 / mo | $220.32 / mo | $172.44 / mo | $237.89 / mo | $165.71 / mo | $136.32 / mo |
| 2019 | $478.48 / mo | $322.18 / mo | $174.31 / mo | $136.22 / mo | N/A | $181.42 / mo |
| 2018 | $149.58 / mo | $98.66 / mo | $204.52 / mo | $64.78 / mo | $127.44 / mo | $138.59 / mo |
| 2017 | N/A | $225.36 / mo | $118.94 / mo | $83.45 / mo | $91.90 / mo | $199.69 / mo |
| 2016 | $1,025.13 / mo | $229.53 / mo | $172.75 / mo | $124.61 / mo | $132.89 / mo | $143.56 / mo |
| 2015 | $361.79 / mo | $346.33 / mo | $195.31 / mo | $147.87 / mo | $123.00 / mo | $142.60 / mo |
| 2014 | $452.10 / mo | $186.21 / mo | $254.37 / mo | $156.86 / mo | $136.02 / mo | $160.83 / mo |
| 2013 | $437.20 / mo | $271.28 / mo | $100.74 / mo | $163.11 / mo | $93.68 / mo | $170.59 / mo |
| 2012 | N/A | $180.30 / mo | N/A | N/A | $111.84 / mo | $117.96 / mo |
2021 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $0.00 / year |
| Travelers | $1,658.00 / year |
| Direct Auto | $2,220.00 / year |
| Unitrin | $2,639.00 / year |
| USAA | $2,711.00 / year |
| Clearcover | $2,726.00 / year |
| State Farm | $2,806.00 / year |
| Erie | $3,375.00 / year |
| Allied | $3,381.00 / year |
| Mercury | $3,444.00 / year |
2021 Tesla Model S Insurance
Average Cost to Insure
$1,788.00 / year
Cheapest Rate
$0.00 / year Jupiter Auto Insurance
Available Trims
4dr HATCHBACK (cyl)
2020 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| New Jersey Manufacturers | $2,012.00 / year |
| Direct Auto | $2,029.00 / year |
| California Capital | $2,100.00 / year |
| Penn National | $2,163.00 / year |
| Alliance United | $2,477.00 / year |
| Texas Farm Bureau Group | $2,679.00 / year |
| USAA | $2,979.00 / year |
| Atlantic States Insurance | $3,191.00 / year |
| Farmers | $3,752.00 / year |
| Grange | $3,789.00 / year |
2020 Tesla Model S Insurance
Average Cost to Insure
$3,168.00 / year
Cheapest Rate
$2,012.00 / year New Jersey Manufacturers
Available Trims
4dr HATCHBACK (cyl)
2019 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Direct Auto | $1,371.00 / year |
| Country | $1,934.00 / year |
| USAA | $1,965.00 / year |
| California Capital | $2,076.00 / year |
| Esurance | $2,193.00 / year |
| Unitrin | $2,349.00 / year |
| SAFECO | $2,516.00 / year |
| Nationwide | $2,574.00 / year |
| Travelers | $2,577.00 / year |
| Allied | $2,936.00 / year |
2019 Tesla Model S Insurance
Average Cost to Insure
$2,832.00 / year
Cheapest Rate
$1,371.00 / year Direct Auto
Available Trims
4dr HATCHBACK (cyl)
2018 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Cameron Mutual Group | $993.00 / year |
| SAFECO | $1,475.00 / year |
| California Capital | $2,040.00 / year |
| Direct Auto | $2,075.00 / year |
| Farmers | $2,425.00 / year |
| Travelers | $2,449.00 / year |
| Norfolk and Dedham Group | $2,502.00 / year |
| Hartford | $2,750.00 / year |
| Safety Group | $2,757.00 / year |
| 21st Century | $2,865.00 / year |
2018 Tesla Model S Insurance
Average Cost to Insure
$1,560.00 / year
Cheapest Rate
$993.00 / year Cameron Mutual Group
Available Trims
4dr HATCHBACK (cyl)
2017 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Penn National | $986.00 / year |
| Farm Bureau Mutual (IA Group) | $1,103.00 / year |
| Direct Auto | $1,254.00 / year |
| ACCC Insurance Company | $1,809.00 / year |
| Texas Farm Bureau Group | $1,827.00 / year |
| Esurance | $1,830.00 / year |
| National General | $1,862.00 / year |
| Country | $1,914.00 / year |
| Erie | $2,174.00 / year |
| California Capital | $2,305.00 / year |
2017 Tesla Model S Insurance
Average Cost to Insure
$1,944.00 / year
Cheapest Rate
$986.00 / year Penn National
Available Trims
4dr HATCHBACK (cyl)
2016 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $0.00 / year |
| Virginia Farm Bureau | $1,241.00 / year |
| Penn National | $1,561.00 / year |
| Erie | $1,842.00 / year |
| Hastings Mutual Insurance Co | $1,848.00 / year |
| Pekin Insurance | $1,911.00 / year |
| Grange Mutual | $2,014.00 / year |
| New Jersey Manufacturers | $2,439.00 / year |
| Country | $2,487.00 / year |
| ALFA | $2,531.00 / year |
2016 Tesla Model S Insurance
Average Cost to Insure
$2,556.00 / year
Cheapest Rate
$0.00 / year Jupiter Auto Insurance
Available Trims
4dr HATCHBACK (cyl)
2015 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $0.00 / year |
| Kemper Personal Insurance | $0.00 / year |
| Dairyland | $0.00 / year |
| Titan | $1,035.00 / year |
| Oregon Mutual | $1,413.00 / year |
| Verti Insurance | $1,514.00 / year |
| Capital Insurance Group | $1,564.00 / year |
| Grange Mutual | $1,689.00 / year |
| Utica National Ins Group | $1,714.00 / year |
| Virginia Farm Bureau | $1,773.00 / year |
2015 Tesla Model S Insurance
Average Cost to Insure
$2,237.90 / year
Cheapest Rate
$0.00 / year Jupiter Auto Insurance
Available Trims
85D 4dr HATCHBACK (cyl)
2014 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| SAFECO | $909.00 / year |
| Mercury Insurance | $2,354.00 / year |
| Clearcover | $2,475.00 / year |
| California Capital | $2,640.00 / year |
| Direct Auto | $2,663.00 / year |
| Nationwide | $2,741.00 / year |
| 21st Century | $2,856.00 / year |
| Grange | $3,194.00 / year |
| CSAA | $3,285.00 / year |
| Alliance United | $3,503.00 / year |
2014 Tesla Model S Insurance
Average Cost to Insure
$2,376.00 / year
Cheapest Rate
$909.00 / year SAFECO
Available Trims
4dr HATCHBACK (cyl)
2013 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Virginia Farm Bureau | $879.00 / year |
| Farm Bureau Mutual (IA Group) | $888.00 / year |
| Penn National | $1,016.00 / year |
| Westfield | $1,022.00 / year |
| Indiana Farmers Mutual Ins | $1,088.00 / year |
| Western National | $1,113.00 / year |
| Buckeye Insurance Group | $1,287.00 / year |
| Utica National Ins Group | $1,395.00 / year |
| IMT Insurance Company | $1,491.00 / year |
| Country | $1,536.00 / year |
2013 Tesla Model S Insurance
Average Cost to Insure
$1,678.10 / year
Cheapest Rate
$879.00 / year Virginia Farm Bureau
Available Trims
4dr SEDAN (cyl)
2012 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| USAA | $3,288.00 / year |
| Direct Auto | $3,438.00 / year |
| Southern Farm Bureau | $3,774.00 / year |
| State Farm | $5,990.00 / year |
| Safe Auto | $6,849.00 / year |
| Allstate | $7,632.00 / year |
| Encompass | $8,402.00 / year |
| Safeway | $9,098.00 / year |
| Automobile Club of Missouri | $11,220.00 / year |
| Metropolitan | $13,740.00 / year |
2012 Tesla Model S Insurance
Average Cost to Insure
$1,704.00 / year
Cheapest Rate
$3,288.00 / year USAA
Available Trims
4dr SEDAN (cyl)
Compare Model S to other Tesla Models
Wondering how the Model S compares to other Tesla Models? Check out the average rates for each vehicle below.
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
