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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 |
| 2023 | N/A | $241.37 / mo | $435.67 / mo | $312.93 / mo | $203.58 / mo | $127.74 / mo |
| 2022 | $557.23 / mo | $368.00 / mo | $463.01 / mo | $245.06 / mo | $207.81 / mo | $175.59 / mo |
| 2021 | $461.25 / mo | $252.61 / mo | $155.55 / mo | $170.23 / mo | $218.29 / mo | $278.93 / mo |
| 2020 | N/A | $295.47 / mo | $231.49 / mo | N/A | $182.01 / mo | $183.45 / mo |
| 2019 | $474.08 / mo | $614.71 / mo | $236.36 / mo | $156.89 / mo | $244.54 / mo | $314.68 / mo |
| 2018 | N/A | $580.67 / mo | $275.90 / mo | $207.17 / mo | $188.75 / mo | $229.22 / mo |
| 2017 | N/A | $281.32 / mo | $172.58 / mo | $251.27 / mo | $238.41 / mo | $189.49 / mo |
| 2016 | N/A | $366.00 / mo | $184.06 / mo | $208.51 / mo | $139.05 / mo | $211.44 / mo |
| 2015 | $105.37 / mo | $167.21 / mo | $222.15 / mo | $222.32 / mo | $146.98 / mo | $156.20 / mo |
| 2014 | $446.81 / mo | $374.04 / mo | $233.48 / mo | $297.78 / mo | $156.31 / mo | $156.78 / mo |
| 2013 | $412.37 / mo | $203.57 / mo | $218.22 / mo | $189.58 / mo | $177.41 / mo | $163.34 / mo |
| 2012 | $194.66 / mo | N/A | N/A | N/A | $365.60 / mo | $436.23 / mo |
2023 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Capital Insurance Group | $1,530.00 / year |
| California Capital | $2,438.00 / year |
| USAA | $3,075.00 / year |
| Oregon Mutual | $3,362.00 / year |
| Esurance | $3,612.00 / year |
| 21st Century | $4,078.00 / year |
| State Farm | $4,658.00 / year |
| Alliance United | $4,665.00 / year |
| Mercury | $4,752.00 / year |
| Unitrin | $4,873.00 / year |
2023 Tesla Model S Insurance
Average Cost to Insure
$3,312.00 / year
Cheapest Rate
$1,530.00 / year Capital Insurance Group
Available Trims
4dr HATCHBACK (cyl)
2022 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Capital Insurance Group | $1,148.00 / year |
| Farm Bureau Mutual (IA Group) | $1,272.00 / year |
| Texas Farm Bureau Group | $1,314.00 / year |
| Penn National | $1,443.00 / year |
| National General | $1,800.00 / year |
| Virginia Farm Bureau | $1,944.00 / year |
| Dairyland Auto | $1,978.00 / year |
| Indiana Farmers Mutual Ins | $2,094.00 / year |
| Mercury Insurance | $2,125.00 / year |
| Plymouth Rock Assurance | $2,157.00 / year |
2022 Tesla Model S Insurance
Average Cost to Insure
$2,073.77 / year
Cheapest Rate
$1,148.00 / year Capital Insurance Group
Available Trims
4dr HATCHBACK (cyl)
2021 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Virginia Farm Bureau | $1,010.00 / year |
| Farm Bureau Mutual (IA Group) | $1,077.00 / year |
| North Carolina Farm Bureau | $1,179.00 / year |
| Penn National | $1,260.00 / year |
| GMAC Insurance Group | $1,511.00 / year |
| Central Mutual Insurance Co | $1,569.00 / year |
| Texas Farm Bureau Group | $1,784.00 / year |
| Mercury Insurance | $1,894.00 / year |
| Indiana Farmers Mutual Ins | $1,938.00 / year |
| Travelers | $2,014.00 / year |
2021 Tesla Model S Insurance
Average Cost to Insure
$1,047.47 / year
Cheapest Rate
$1,010.00 / year Virginia Farm Bureau
Available Trims
4dr HATCHBACK (cyl)
2020 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $1,164.00 / year |
| Safeco | $1,294.00 / year |
| Mercury Insurance | $1,862.00 / year |
| Direct Auto | $1,969.00 / year |
| Capital Insurance Group | $1,971.00 / year |
| California Capital | $2,296.00 / year |
| Auto-Owners Insurance Co | $2,558.00 / year |
| 21st Century | $2,670.00 / year |
| Penn National | $2,965.00 / year |
| Allied | $3,002.00 / year |
2020 Tesla Model S Insurance
Average Cost to Insure
$2,530.13 / year
Cheapest Rate
$1,164.00 / year American National P
Available Trims
4dr HATCHBACK (cyl)
2019 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $367.00 / year |
| Penn National | $1,467.00 / year |
| Texas Farm Bureau Group | $1,668.00 / year |
| Capital Insurance Group | $1,722.00 / year |
| ACCC Insurance Company | $1,980.00 / year |
| Pekin Insurance | $2,136.00 / year |
| Dairyland Auto | $2,353.00 / year |
| PEMCO | $2,595.00 / year |
| Unigard | $2,654.00 / year |
| Clearcover | $2,726.00 / year |
2019 Tesla Model S Insurance
Average Cost to Insure
$1,459.60 / year
Cheapest Rate
$367.00 / year Safeco
Available Trims
4dr HATCHBACK (cyl)
2018 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $489.00 / year |
| Texas Farm Bureau Group | $655.00 / year |
| National General | $737.00 / year |
| Capital Insurance Group | $1,238.00 / year |
| Virginia Farm Bureau | $1,281.00 / year |
| Mercury Insurance | $1,290.00 / year |
| Penn National | $1,420.00 / year |
| Direct Auto | $1,543.00 / year |
| Nationwide | $1,834.00 / year |
| Norfolk and Dedham Group | $2,073.00 / year |
2018 Tesla Model S Insurance
Average Cost to Insure
$1,343.20 / year
Cheapest Rate
$489.00 / year Safeco
Available Trims
4dr HATCHBACK (cyl)
2017 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Mercury Insurance | $769.00 / year |
| Dairyland Scored | $914.00 / year |
| Texas Farm Bureau Group | $960.00 / year |
| American National P | $1,197.00 / year |
| Safeco | $1,654.00 / year |
| North Carolina Farm Bureau | $1,659.00 / year |
| NatGen Value | $1,774.00 / year |
| Dairyland | $1,946.00 / year |
| Capital Insurance Group | $1,970.00 / year |
| ACCC Insurance Company | $1,980.00 / year |
2017 Tesla Model S Insurance
Average Cost to Insure
$1,109.73 / year
Cheapest Rate
$769.00 / year Mercury Insurance
Available Trims
4dr HATCHBACK (cyl)
2016 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $471.00 / year |
| American National P | $690.00 / year |
| Plymouth Rock | $843.00 / year |
| Virginia Farm Bureau | $846.00 / year |
| Mercury Insurance | $896.00 / year |
| Texas Farm Bureau Group | $1,209.00 / year |
| Buckeye Insurance Group | $1,223.00 / year |
| Direct Auto | $1,227.00 / year |
| Capital Insurance Group | $1,239.00 / year |
| Southern Farm Bureau | $1,380.00 / year |
2016 Tesla Model S Insurance
Average Cost to Insure
$906.73 / year
Cheapest Rate
$471.00 / year Safeco
Available Trims
4dr HATCHBACK (cyl)
2015 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Mercury Insurance | $578.00 / year |
| American National P | $975.00 / year |
| Capital Insurance Group | $1,013.00 / year |
| Virginia Farm Bureau | $1,025.00 / year |
| Penn National | $1,092.00 / year |
| SECURA Insurance | $1,125.00 / year |
| Texas Farm Bureau Group | $1,204.00 / year |
| Indiana Farmers Mutual Ins | $1,235.00 / year |
| Farm Bureau Mutual (IA Group) | $1,366.00 / year |
| Buckeye Insurance Group | $1,462.00 / year |
2015 Tesla Model S Insurance
Average Cost to Insure
$1,072.97 / year
Cheapest Rate
$578.00 / year Mercury Insurance
Available Trims
85D 4dr HATCHBACK (cyl)
2014 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Texas Farm Bureau Group | $488.00 / year |
| Safeco | $558.00 / year |
| Mercury Insurance | $696.00 / year |
| NatGen Custom 360 | $855.00 / year |
| SECURA Insurance | $1,161.00 / year |
| Virginia Farm Bureau | $1,172.00 / year |
| New York Central Mutual Fire | $1,295.00 / year |
| Capital Insurance Group | $1,507.00 / year |
| New Jersey Manufacturers | $1,512.00 / year |
| PEMCO | $1,579.00 / year |
2014 Tesla Model S Insurance
Average Cost to Insure
$1,154.27 / year
Cheapest Rate
$488.00 / year Texas Farm Bureau Group
Available Trims
4dr HATCHBACK (cyl)
2013 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $57.00 / year |
| SafeAuto | $472.00 / year |
| Mercury Insurance | $520.00 / year |
| Clearcover | $891.00 / year |
| SECURA Insurance | $996.00 / year |
| Texas Farm Bureau Group | $1,070.00 / year |
| Virginia Farm Bureau | $1,304.00 / year |
| New Jersey Manufacturers | $1,317.00 / year |
| Indiana Farmers Mutual Ins | $1,377.00 / year |
| Atlantic States Insurance | $1,405.00 / year |
2013 Tesla Model S Insurance
Average Cost to Insure
$676.13 / year
Cheapest Rate
$57.00 / year Safeco
Available Trims
4dr SEDAN (cyl)
2012 Tesla Model S Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Nationwide | $1,113.00 / year |
| Capital Insurance Group | $1,689.00 / year |
| PEMCO | $2,229.00 / year |
| Chubb | $2,625.00 / year |
| Unigard | $2,685.00 / year |
| USAA | $2,721.00 / year |
| State Farm | $2,883.00 / year |
| Oregon Mutual | $3,789.00 / year |
| Dairyland Auto | $3,790.00 / year |
| Bristol West | $4,260.00 / year |
2012 Tesla Model S Insurance
Average Cost to Insure
$4,176.00 / year
Cheapest Rate
$1,113.00 / year Nationwide
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.
