There is no single cheapest Tesla insurer. The price leader changes with your Tesla model and year, location, driving record, mileage, coverage limits, deductibles and discounts. A useful shortlist is State Farm, USAA, GEICO, Travelers, Nationwide, Auto-Owners, American Family, Progressive, Allstate and Farmers—but treat it as ten companies to quote, not a guaranteed cheapest-to-most-expensive ranking. Compare matched, personalized quotes before choosing.
Ten Tesla insurers worth putting on your quote list
The companies below appear in current model-specific or broad Tesla comparisons. Their inclusion means they are sensible shopping candidates, not that each will be cheapest for every driver or state.
| Company | Why request a quote | Important qualification |
|---|---|---|
| State Farm | MoneyGeek’s 2026 broad comparison found the lowest average Tesla rates in its dataset: $36 per month for minimum coverage and $144 per month for full coverage. MoneyGeek | Those are study averages; your state, Tesla and driver profile can produce a different result. |
| USAA | MoneyGeek found USAA cheapest for minimum coverage on five of six analyzed Tesla models and among the least expensive for several full-coverage scenarios. MoneyGeek | Membership is limited to eligible military members, veterans and qualifying family members. |
| GEICO | It was competitive across multiple models and had the lowest analyzed full-coverage rates for Cybertruck and Cyberbeast in MoneyGeek’s comparison. MoneyGeek | GEICO says its published ranges are estimates, not quotes, and that price and coverage vary by driver, vehicle and location. GEICO |
| Travelers | It appears among lower-cost national choices in MoneyGeek’s overall and model analyses. MoneyGeek MoneyGeek | It is not the lowest in every model and coverage combination. |
| Nationwide | MoneyGeek places it among lower-cost providers for particular Tesla models and full-coverage comparisons. MoneyGeek MoneyGeek | Compare the exact Tesla model and year rather than relying on a company-wide impression. |
| Auto-Owners | It ranks well for several Tesla models in MoneyGeek’s analysis. MoneyGeek | MoneyGeek reports that Auto-Owners sells through independent agents, and availability is geographic. |
| American Family | It was the lowest full-coverage option in MoneyGeek’s Model X Long Range comparison. MoneyGeek | That is a model-specific result, not a universal ranking. |
| Progressive | Progressive appears in NerdWallet’s Tesla comparisons and among MoneyGeek’s Cybertruck and Cyberbeast full-coverage options. NerdWallet MoneyGeek | Verify current local pricing, limits and terms. |
| Allstate | NerdWallet includes it in its Model 3 and Cybertruck median-rate tables. NerdWallet | Its displayed medians differ by model, illustrating why there is no all-Tesla rank. |
| Farmers | It is included in NerdWallet’s model-specific Tesla comparison. NerdWallet | Use a personalized quote instead of treating a national table as your price. |
What the published numbers do—and do not—prove
MoneyGeek’s figures are modeled 2026 comparisons, not offers made to every Tesla owner. Its broad averages and model leaderboards use different scopes, so they should not be merged into one ranking.
| Published figure | What it represents |
|---|---|
| $36 per month | State Farm’s lowest overall average minimum-coverage rate across Tesla models in MoneyGeek’s 2026 dataset. MoneyGeek |
| $144 per month | State Farm’s lowest overall average full-coverage rate in that same MoneyGeek analysis. MoneyGeek |
| $48 per month | Travelers’ next-lowest average minimum-coverage rate in MoneyGeek’s broad comparison. MoneyGeek |
| $164 per month | Nationwide’s full-coverage average following State Farm in the cited general comparison. MoneyGeek |
| $2,952 and $4,458 per year | MoneyGeek’s full-coverage averages for Model 3 Long Range and Model S, respectively; repair and replacement economics contribute to model differences. MoneyGeek |
| $1,492 and $1,499 per year | GEICO’s lowest analyzed full-coverage rates for Cybertruck and Cyberbeast, respectively, in MoneyGeek’s model study. MoneyGeek |
NerdWallet presents median monthly full-coverage rates by insurer and Tesla model, based on the largest national insurers in every state. Those medians use different modeled drivers, dates and assumptions from MoneyGeek’s averages, so use each publication for directional shopping leads rather than combining their numbers. NerdWallet
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Why the cheapest company changes
An insurer can be inexpensive for one Tesla and expensive for another because underwriting weighs several variables at once:
- Model, model year, trim and equipment, which affect repair and replacement costs.
- Garaging ZIP code, state regulations, theft and collision patterns.
- Driver age, experience, claims, tickets and insurance history.
- Annual mileage, commuting use and the number of drivers on the policy.
- Liability limits, comprehensive and collision deductibles, and optional protections.
- Discounts, credit-based insurance rules where permitted, and company eligibility.
GEICO specifically says its Tesla price ranges use aggregated policyholder data from January and February 2026, are estimates rather than quotes, and do not guarantee eligibility or coverage. Its general descriptions do not change the actual policy contract. GEICO
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Tesla Insurance is a different type of option
Where it is offered
Tesla lists Insurance availability in Arizona, California, Colorado, Florida, Illinois, Indiana, Maryland, Minnesota, Nevada, Ohio, Oregon, Tennessee, Texas, Utah and Virginia. Customers can quote and purchase through a Tesla Account or the Tesla app, but participation can change, so confirm availability for your address. Tesla Support
How driving data can affect price
In participating real-time markets, Tesla says premiums can consider the vehicle, garaging location, mileage, selected coverage, a monthly Safety Score and, in selected states, Full Self-Driving (Supervised) usage. Tesla describes the score as mileage-weighted and says premiums may change subsequently.
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“Tesla Insurance offers insurance using real-time driving behavior, including what vehicle you drive, where you live, how much you drive, what coverage you select, the vehicle’s monthly Safety Score and FSD (Supervised) usage, to determine your policy premium.” — Tesla Support
California is the important exception: Tesla says its real-time insurance is unavailable there, and Safety Score does not affect the monthly premium. California policyholders may see the score for educational purposes. Tesla Support Tesla Support
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- Driving reports with distance traveled, time in movement, time parked with address, maximum speed per trip. Reports with address and time of beginning and at the end of each trip.
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Coverage documents can change
Tesla’s coverage page says some limits changed effective June 1, 2026. It also reports a California Department of Insurance-approved 12.4% general rate increase for qualifying Tesla policies with effective dates from August 11, 2025. Neither figure should be treated as a nationwide increase or as a substitute for checking your current declarations and state documents. Tesla Support
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How to compare Tesla quotes fairly
- Gather vehicle and policy details. Have the VIN or exact year, model and trim, garaging ZIP code, annual mileage, drivers, current insurer and desired effective date.
- Set one coverage baseline. Use identical liability limits, comprehensive and collision deductibles, and optional protections for every quote. If the Tesla is financed or leased, check the lender’s requirements and evaluate gap coverage separately.
- Quote multiple channels. Request prices from the ten companies above, your incumbent insurer, Tesla if available, and regional carriers. NerdWallet specifically recommends checking regional insurers because they can beat national providers in some locations. NerdWallet
- Confirm eligibility and distribution. Check USAA membership rules and whether an Auto-Owners independent agent or another regional carrier serves your area.
- Save the quote details. Record the date, limits, deductibles, discounts, exclusions and quoted premium so a cheaper number is not being compared with thinner protection.
- Read service terms. Check repair-shop choice, original-equipment-parts provisions, claims access, rental-car coverage, roadside assistance, exclusions and renewal conditions. A web summary is not the policy contract.
- Make a data-use decision. If considering Tesla Insurance, decide whether real-time driving information and possible score-linked monthly changes fit your preferences; California’s product operates differently from participating real-time states.
- Requote after material changes. Recheck at renewal and after changing address, vehicle, mileage or drivers, because pricing and underwriting appetite change.
What “cheapest” should mean before you buy
The lowest premium is useful only when the policies protect you on the same basis. Compare the financial limits you would rely on after a serious crash, the deductibles you can actually pay, and the insurer’s repair and claims process. Then weigh eligibility, exclusions, discounts and renewal expectations. For Tesla Insurance, add comfort with the required driving-data model to that decision.
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Best Value
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A matched quote captured on the same day—rather than a national average or an advertised estimate—is the deciding test.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
