Tesla Insurance Guide

Tesla Insurance vs Traditional Providers

Tesla Insurance uses real-time driving data from your vehicle to calculate premiums based on your actual driving behavior -- not demographics like age, gender, or credit score. Your Safety Score (0-100) directly determines your monthly rate. Safe drivers with scores above 90 typically save 20-40% compared to traditional insurers.

Traditional insurers like State Farm, Progressive, and GEICO often charge higher premiums for Teslas due to repair costs and vehicle value. They lack access to your real-time driving data, relying instead on statistical models. However, they offer broader coverage options and are available in all 50 states.

Tesla Insurance is currently available in 12 states: Arizona, California, Colorado, Illinois, Maryland, Minnesota, Nevada, Ohio, Oregon, Texas, Utah, and Virginia. Tesla continues expanding to new states throughout 2026.

Understanding Safety Score

Your Safety Score is calculated from five driving behaviors: forward collision warnings per 1,000 miles, hard braking events, aggressive turning, unsafe following distance, and forced Autopilot disengagements. Each factor is weighted and combined into a score from 0 to 100.

To maximize your Safety Score: maintain generous following distances, brake smoothly and early, take turns gently, and keep Autopilot engaged on highways. Most drivers achieve scores of 85-95 with mindful driving. A score of 98+ puts you in the lowest premium tier with maximum savings.

Average Tesla Insurance Costs

Rates vary by location, driving history, and Safety Score. Ranges shown are typical for drivers with clean records.