Tesla Model 3 insurance cost (2026)
Scout's quick take
- Average full coverage: $172/mo for a 2021 Tesla Model 3, clean record
- Liability-only averages $60/mo across recent model years
- That puts the Tesla Model 3 about $20/mo above the $152 national average for full coverage
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Cost by model year
| Model year | Full coverage / mo | Liability / mo | vs 2021 baseline |
|---|---|---|---|
| 2025 | $201 | $62 | +17% |
| 2023 | $184 | $61 | +7% |
| 2021 | $172 | $60 | baseline |
| 2019 | $162 | $59 | -6% |
| 2017 | $148 | $59 | -14% |
Estimates, not quotes: built from public 2025 to 2026 premium benchmarks and our cost model, clean-record driver profile. See our methodology.
Your model year, your ZIP, your real number
Averages set the range. Carriers price the Tesla Model 3 sitting in your driveway.
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Tesla Model 3 vs rival vehicles
| Vehicle | Full coverage / mo | Note |
|---|---|---|
| Tesla Model 3 | $172 | The vehicle on this page |
| Tesla Model Y | $181 | Same battery risk, taller |
| Toyota Camry | $128 | Cheapest here. The gas alternative |
| Polestar 2 | $178 | Fewer certified shops |
Estimates, not quotes: the same clean-record driver profile priced across every vehicle, so the comparison is like for like. See our methodology.
Tesla Model 3 quotes pile up fast. Scout digs through the whole pile and brings back the cheapest one.
Compare Tesla Model 3 RatesWhat moves a Tesla Model 3 premium
- Trim level: base trims sit at the bottom of the rate sheet; performance and top-spec trims carry higher collision costs
- Repair and parts network: the easier a Tesla Model 3 is to fix near you, the lower the comprehensive and collision share runs
- Safety tech: automatic emergency braking and driver-assist packages earn discounts with most major carriers
- Usage: commuting under 10,000 miles a year rates cheaper; business or rideshare use adds a surcharge
Tesla Model 3 questions, answered
Is a Tesla Model 3 expensive to insure?
It leans that way. At $172/mo for full coverage, a 2021 Tesla Model 3 runs about $20/mo above the $152 national average, so budget a little extra versus a typical vehicle.
Do older Tesla Model 3 model years cost less to insure?
Yes. Scout dug through the numbers: a 2017 Tesla Model 3 runs about -14% versus the 2021 baseline of $172/mo, while a 2025 runs +17%. Liability barely moves; the savings hide in the comprehensive and collision share, which falls as the vehicle depreciates.
Still weighing it?
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We maintain the vehicle rate index and review every cost page on this site. Figures here are estimates, not quotes: see our methodology for how they are built.