How much do you all pay for insurance

$196/month, ‘24 M3P

i have tesla insurance and pay $309 💔for a model 3 in california. i’m under 25

2026 M3P, 1 accident on record from old car (not my fault), $230/mo.

$70. Lemonade

$653/year for full coverage with 1000 deductible. 2018 model 3. located in midwest USA

I think my renewal is telling me 450 a month. Higher than my car payment

Can we please stop constantly asking this question 45x a week and just use the search function? Also OP, you need to shop yourself- no one will give you an accurate answer since insurance is really tied to you as a driver and your driving history and vehicle.

I'm considering Lemonade as All-State in Colorado charges me 380 a month for my 2020 m3p and a 2016 nissan juke. No tickets! Clean record.

Mine's around $125/mo through State Farm. That's cheap compared to what I've seen some other people pay. 😬 From what I understand, while the 3 and Y aren't considered luxury vehicles... The repair costs are like luxury cars. Repairs are expensive, as well as having specialized labor needs and expensive parts. I got into a minor accident back in October, wasn't at fault, so the other insurance paid for the repairs. The Tesla-certified body shop I went to, they told me that labor costs per hour are almost double compared to regular cars. ($79 vs $129 per hour) The parts in my case, weren't that bad. It was the labor. What would have been a lil over $3k bill, ended up being around $5.5k instead.

Fluctuates between $113-$160 month depending on driving habits in TX. ~8000 miles a year. Tesla insurance, sometimes with FSD discount. No accident history or tickets. Full coverage since I’m financing. 25 LR RWD

$151 / mo, M3'26, CA, through TSLA.

What insurance carrier?

There are many definitions of the word "safe". Safe could mean, if you get in an accident, you walk away. "Safe" could mean you get in fewer accidents. Insurance rates don't strictly relate to how safe a vehicle is. They correspond to how often and how expensive are claims associated with that vehicle. Tesla's are more expensive than the average car and their repairs are more expensive. That will drive the premium up compared to an equally "safe" car.

Never heard of insurance company called lemonade

Glad I could enlighten you.

I pay about 148.83 monthly for my model 3 performance

$109.45 last month Tesla Insurance

$1985 a year through AAA for 2023 model

I finally dumped Tesla insurance, paying $450 a half at progressive. Tesla was charging me $100 with a 97 score

I have Tesla insurance $200/mo for 23 Model 3 RWD.

Lemonade gives discounts for driving with FSD too in some states. Hope they expand that to Texas soon

$370 /month model 3

M3P plus my “high performance” truck. $260/month out the door. For both. Hoping my rates stay the same at renewal.

And location

192$. MYP 2026

How old are you? I pay 230 for my M3P alone :(

That’s exactly what I pay with Tesla insurance.

Safest car on the road? Ever been in a Subaru or Volvo? NJ - $609.30 6month premium so $101.55/mo We bundle house umbrella and term and have pretty hefty car insurance options (500k/250k).

165/m for a ‘21 M3P on Tesla Insurance under 25

State Farm. 203 a month. Full coverage with $100 deductible on my Tesla and Motorcycle. Liability on a 98 truck. and renter's insurance.

What a rip

A quick google search revealed that lemonade doesn’t offer auto insurance in maryland.

Insurance is half the reason I no longer own a Tesla. I bought a brand new 2024 at 23 years old, regular insurance companies were quoting me more than $300 a month. Tesla insurance started me out at $100, my first renewal was an almost 80% increase even though my score never dipped below a 94. I now pay less insurance for two cars and two drivers that I did for just that model 3 lol It’s worth noting my 40-something coworker pays less than $100 a month for a model X

Price is worthy of a lemon party

$72/mo through State Farm for 100/300 coverage.


What company ?

Are you a super safe driver? Like extremely safe or are you average?

140

800 per 6month

$160/mo. ‘25 Model 3 RWD. State Farm. Pennsylvania.

I pay the same in Illinois, 22m

107 with Geico in NC

Texas also, $257/mo 22 rwd and I drive 25k miles a year.

I pay $420 / 6 months for 2 cars full coverage including a 2024 M3P.

$175

$115/mo but have a $2k deductible. Progressive. Male, late 30s.

One of the reasons why we got rid of the two Teslas (‘21 MSP and ‘24 MY) is that the insurance was just getting crazy. It was around $3000 per six months at its highest, and that’s with zero tickets and zero accidents age 35-45. Might think it’s the Model S, but the rates were something like 1700/1300 for the two. When I switched to two Cadillac Optiqs, I ended up paying the same amount to insure both as I did to just insure the Model Y. One factor of the insurance cost was also what happens when you add kids to the plan as the cost was insane… even when not being a full-time driver.

145

$650 a year, 2024 Model 3 AWD, Berkley One. I dont think you can insure just auto there without home tho.

I am getting quotes at $1500 for 6 months. I can't find anything lower than that.

My safety score is a 96. However, I don’t drive a lot of miles. In fact my Tesla insurance is renewing next month and they have my premium at $110.67

$190 per month with Allstate

It’s the same reason why i abandoned tesla insurance after two months of getting my brand new model 3

State Farm - about $90/month for full coverage with $500 deductibles and 100/300 liability.

Progressive six month premium is $517 for my 2021. I always ask my insurance agent when it’s time for renewal. He saved me $600 last month. Same exact coverage and insurance company for two cars. He even checks my home insurance every year for me.

Time to get a Tesla bicycle

Per month?

$270 per month for a 25 model3 awd LR, 33yo male in NJ

$210/month 32 male CA pretty clean record tesla insurance 2024 M3P

What state? That’s a great deal I pay $210/month for 2024 M3P in CA being 32 male

$2200/yr for three vehicles that includes a M3P.

SW Ohio.

195$ a month 2026 model 3 premium i live in Los Angeles and i am 28

$109/m with Allstate. Im baffled seeing what someone of you are paying a month.

Texas - about 120/mo. 2023 MYP with prior vehicle stolen (big claim). Progressive. 2k deductible which knocked off $500 / year bc it takes glass claims out of the mix. Subscribed to glass protection instead and risk it on the roof glass.

Progressive. No advocating for them or anything bc I actually hate insurance but they were pretty helpful when I got in an accident as well.

600 a year

Pay the same in Milwaukee, 23m 1 accident

Crazy how large prices differ state to state

I was paying about $130-$140 a month through State Farm. Then it shot up to over $200. I called and asked why and was told that all Tesla policies went up and the agent I spoke to said she hasn't seen any under $200. So I dropped them and got Tesla Insurance for $160. I could have gotten it a bit cheaper, but I wanted the same coverage I previously had. This is in California.

29M in SoCAL here, $200/month max coverage with AAA

150-240/mo for 2022 Model 3 LR with Tesla insurance

About 100/mo through USAA in Cali. 58m 😎

What insurance company are you with?

Farm bureau of Iowa.

$169/mo Geico. 30m. CA. Been driving since I was 16. Multi-driver household. Homeowner and owner of 1 car discount.

I mean obviously it's not for a year.

$140 M3P 46 yrs WA

Costco America family insurance- $375 cause my wife is a horrible driver- 2 accidents

California, early 40s, 100/100/300 coverage Geico about $100/mo.

Insurance rates are based on a lot more than just the car. They factor in things like other assets, credit score, age, and claims history. My M3 insurance is cheaper than my Honda Accord

Brand new M3P £604

How????

3200/yr Vancouver, BC . Max discount

300/100/100 25K Property liability/medical payments 3500 UI Property Damage $500/$500 deductibles.... $151/month for my 2024 M3 Performance in the Bay Area.

2026 Cybertruck lease - $1000 for 6 month premium with nearly maxed out coverages. 20-something female in large city

$192/mth California, but have an 18yo. Not sure how it works in other states, but if you have a person living in your house 25yo or younger, they are required to be on the policy even if she has her OWN car. 🤦🏻‍♂️

$420 a month for my Model 3, Atlas, F150 & daughters Renegade. Insurance unfortunately is one of those things that is highly variable. I'm older, good record and apparently credit, multiple cars and a house. Each of those things I'm sure affects my rate. As for Tesla's being more expensive, I priced out a same year Audi S5 and it was quoted about $50 more a month.

Tesla Insurance

Correct, I’ve got Tesla Insurance which is paid monthly.

We have 2 model 3 2025 one premium trim and the another performance, 4 drivers for both cars, one under 25 for: $703

$460 cdn for my M3P lol

I pay $250 for insurance for my Tesla as well as my old gas car (2017 Hyundai) and I keep the Hyundai insured cuz with all my discounts stacking it's actually cheaper for me to insure both cars as opposed to just one (progressive) Edit: 24m

$1300 a year But I’m Canadian so that’s ($1800 CAD $300 CAD deductable) and it’s public insurance, $5mil 3rd part liability, full replacement payout if it’s totalled. most of us like a dab of socialism up here

30 M in Southern California paying $326 a month, clean record - hefty coverages but still super expensive!! The most expensive car that I’ve had to insure..

€70 per month all-risk in the Netherlands

I’m old with good driving record, no commute to work and multi policy discount.

£55 per month, UK 50+ and have my missus as a named driver, in a decent area (postcode matters apparently) model 3 LR awd 2022.

Please tell people what state you are in.

Which insurer?

Damn I'm at $221/mo for the same vehicle. I'm in California too. 30 M no accidents

$100/month with progressive

Recent quotes are £505 per year. About £160 more than my old banger

In Spain I paid 800€ for all risk insurence I’m not sure if that’s the correct way to say it English.

$2k deductibles??

I pay something like that as well in Spain. I payed all at once but it was 820€

Tesla Model 3 Long Range (Premium), 2026 model – €900/year in Finland. The insurance covers almost everything, except a replacement car if mine is out of service.

$145 per month 2021 Model3-Florida

$138 mo for my wife and I. Both under 25

And not in California!, I’d guess

114/mo Tesla Insurance. 97 safety score. Texas My wife pays $220/mo for her Tesla because we can't get home insurance without a car covered too. She was paying less than me when we both used tesla insurance

20M Model 3 I pay $150 a month comprehensive

Your age is probably the reason depending on how recent that accident was, I’m in the falls just to the west of you and I pay $100 on a 2025 m3. I am 42. I have country financial insurance.

How much is Tesla charging you for insurance in Maryland? In DC they are charging $150 a month.

For a Tesla Model 3 $325 - $550 CAD per month.

300 a month in NJ

State Farm

400+/mo, California and under 25 too. No at fault accidents or tickets on record. It's insane.

29M, $230/mo through Tesla Insurance in SoCal. One at fault accident a few years ago. I drive a Model Y not a 3

About $100/month with a $1K deductible in Georgia with USAA

My insurance went up by less than 20 percent and I increased my coverage and went from a 40k SUV to a 62k ultra high performance vehicle with FSD purchased outright. They are safer, but they are also twice as expensive to repair.

$150/ month for a 25 M3P in a no fault state

Tesla Insurance. It ranges from mid to high $200s for me 41F, which is about average for my area. And I can see it change based on how I drive or where I am. When I left New Orleans for a few months (NOLA is super high risk) I saw my rate plummet. I Love that.

Also in OH driving a M3. What company are you with to get that rate? I'm paying about $660/6 months with allstate currently.

GEICO.

Have you ever actually had to use lemonade to file any claims? I am considering switching to them to save like 50% but they just have such terrible reviews

$500 comp/collision and $0 glass

$230/month state liability only progressive 6 months 18' m3 nyc queens 31f no accidents

$70/mo through Progressive for 100/300/100 with a $500 deductible and no deductible on glass. (40yr woman in St. Louis, Missouri)

Some of the costs I’m seeing on here are insane. I pay $1900 a year for my M3 highland and that feels too high

First year was $600 and second year is now $200 no idea why they lowered it but I am happy lol

CAA - Almost 350$ a month, 3 teslas, 2 drivers. Awful.

180 a month, progressive, Atlanta….not sure why it’s so much I have no accidents or tickets

$1500 /mo :(

Fully comprehensive insurance for my wife and me is 600 euros per year for our Tesla Model 3. This is the same price as our previous car, which was a Honda Civic. Good value.

I pay around $180 a month for 100/300 full coverage. $1k ded. And all the bells and whistles, trip, roadside, glass , medical. Only thing I didn’t get was rental as I have other cars I can use. No tickets no wrecks, TN - progressive.

A lot. $6K per year

Roughly $300 progressive but I have a wreck and tickets...

Just don't go with Geico.

$135/ month, 21’ M3P. Progressive. They were cheaper than anyone. 100/300k and $500 deductible.

26 here, it doesn’t get better 😂 that whole over 25 thing is more like over 35

About 750€ in Greece. It may be more than 1k in Athens though

*cries in new york*

Just over $600 dollars every 6 months for 2 Model 3's. Full coverage. Arizona. State Farm

San Diego and I pay $118 for Tesla Insurance. I'm 47

$230/mo, F24 in illinois with an at-fault accident a couple years ago and i drive >24,000 miles/year. i use tesla insurance (it tracks every little thing u do 😭)

$150AUD/month

None. I don’t care. I refuse to pay for insurance, tags, toll fees, and so on. I got my car all cash. My tags are from 2020. I think my taxes cover enough of the government’s shenanigans. This is how I protest the corruption. Y’all should too.

2020 Model 3, I paid $75/mo in WI and I’ve since moved to VA and it’s $78/mo. I’m 35, but I’m also Emerald status with Progressive.

Dang you must live is a special area. Regular shops charge $120/hr around here for your average vehicle. Don't even ask what dealerships charge.

What the hell 29M $225/month in CA still on my parents insurance plan, no accidents or tickets and whenever I call any other company I get quotes above $300/month, literally impossible to get off my parents plan, how are yall getting cheap quotes?

Who?

Fbfs. Only available in this state but all states have a farm bureau I’m sure. Huge lobbying group. This is an arm of it.

My 2026 MY Launch is $139 a month (43 M.) My fiance 2020 MYP is $208 a month (41.) I have a 10 year discount with State Farm, she only has a 3 year discount.

Geez, reading this thread makes me realize Tesla owners get screwed over by insurance... My wife and I have 3 vehicles; a 2019 Audi etron EV, a 2017 Chevy Volt EREV and a 2019 Ford F150 and we pay only $190 a month for 100k/300k full coverage with Geico in CA. We have a bunch discounts, good credit, no at fault accidents but had several small accidents that others were at fault for a while back.

Only $129 a hour is cheap! My area's rates are $150-$300 a hour

$169- 2019 model 3 P. Southern California age 33. Male. No tickets, no accidents.

I think the model Y is $1700 /yr and the Rivian is $1600. I guess b/c I WFH and the Rivian might go 4k miles per year, if that, whereas the Tesla is more like 15k per year

Yeah you're right, more "I bought my first model 3!!!" Posts are what we need

39M with a 2021 M3LRAWD no accidents or claims, good credit with multi car discount in Michigan full coverage $208 from progressive and it should be 80 cheaper but I don't want to switch my home owners.

State Farm $230/month for my Model 3 LR AWD. Spotless driving record.

$174 full coverage including uninsured motorist because Florida is full of uninsured. Mine is a 2018 Model 3 LR AWD. Geico 57 Clean license

$120 in MA

Mapfre insurance

For official tesla loxation rates go 150-250 depending on complexity up to 300

146/month Illinois 35m

State?

$121/month in MN, State Farm. 2025 M3P

470ish, 24 M3, 25 R1S

Washington

I do pay for 6 months and it’s about $950 for a model s. But I have two cars bundled. The other is a Subaru, which is about $700 for 6 months. I’m old though so maybe that helps.

340 per year

Don't ever file for bankruptcy. For me its $700 a month for one God damn model 3. I have two. Had to force myself to put liability until in 3 years I can re run quotes and I'll be at an estimated $300 for both Tesla model 3

$207/month Tesla Insurance in San Francisco. 94M $500 deductible. Our AAA car/home insurance want more than 3X that and others want 4-5X! 2025 M3 RW

Less than 100$ monthly through Tesla insurance. LR AWD. Full coverage, 500 deductible

$198/mo in eastern Pennsylvania through Penn National insurance. '24 Model 3 Performance, Only car, 41 years old

Progressive a little under $100 a month 22 model 3. I pay for the full 6 mon on interest free credit card (PayPal).

Your 300/100/100 might be a typo

$95 - $105 through Tesla for full coverage

$125 from tesla ins for 2023 y long range  then switched to lemonade $74 flat rate then $0.12 per mile - averaged $117 per month so far, but one had a big road trip month ($214) which brought the average up - should be closer to $95 a month going forward given my average miles per month

$160 / month for full coverage on Tesla + 99 Camry. 28 yr old in Florida, clean record

5 cars full coverage with 2 20 year old drivers. $550 USAA.

$110/mo - 2023 MYLR in MN - USAA

Tesla insurance is charging me $118 per month in Texas

No I thought I had it bad. I’m 23 and pay 180$ a month full coverage with USAA. After seeing this maybe I should be more grateful. Edit: and I don’t have a clean record. Speeding tickets, car totals, careless driving, etc

Exactly. And they’re really heavy, so perhaps they do more damage to the other vehicle than another car would.

$320 in LA and I’m 33, no accidents or tickets

$205 / 2020 model 3 SR+ / California / 36yr old Since I have a work truck now I’m thinking of lowering insurance premiums to the bare minimum. I haven’t driven my car since I started this new job a couple weeks ago.. if I lower them it’ll be $143

$114 for a 2020 MYLR. We’re both about 70, and have two other cars and our house insurance through State Farm as well.

This made me laugh so hard lmfaooo

42 in NC I payed $1300 for year with The General

What state do you reside and what insurance company are you using?

South Indiana, full coverage, Progressive. ‘23 Model 3 SR

Currently with progrssive and I’m paying $164/month but I’m due for an increase on my renewal because i turned off the snapshot feature after getting the discount. I found that feature to be annoying and should’ve opted out in the first place. I’m in maryland by the way

Mine went up recently clean record, 23 was paying $250 had to do my renewal now im at $290😔😔

Jesus I'm 38 and pay 98 a month for Tesla insurance with 500k coverage lol. I also have no where bear a clean driving record. Multiple reckless drivings from a motorcycle and 2 accidents lol

Hmm $164 for progressive is solid, one month I paid up to $200 because of the safety score feature Tesla has.

I pay 430 in California at 27 :(

A better question is anyone total their Tesla and just about died when you saw how little you got? I fought for 3 weeks to go from 17k to 23k My car 2018 M3P red, full self drive, free supercharging. Premium upfit package Window Sticker 83,513.

21m I pay $206 for full coverage on my Model 3.

24f, no accidents besides being hit by someone else who was at fault years ago, $117 a month with State Farm in WI

I’m at about $120/mo with USAA in MA