Tesla Insurance Cost
Numbers refreshed
Insurance loss figures and estimates for Tesla Model 3, Tesla Model Y, plus Tesla Cybertruck.
The Tesla models we price
IIHS-HLDI loss results use 100 for the average car. A lower figure means fewer claims and smaller ones, and insurers price that in.
| Model | Collision | Property damage | Full coverage a year (US average) |
|---|---|---|---|
| Tesla Model Y | 118 | 82 | $1,494 |
| Tesla Model 3 | 133 | 98 | $1,730 |
| Tesla Cybertruck | 112 | 114 | $1,789 |
Source: IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API); NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
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