Tesla Insurance Rates: Real Owner Costs and Smart Saving Tips

Tesla Insurance Rates: Real Owner Costs and Smart Saving Tips

Hey everyone, DennisCW here! If you're a Tesla owner or thinking about joining the club, you've probably wondered about insurance costs. In my latest video, I dove into some real-world rates shared by fellow owners, and I wanted to break it down here on the blog. Plus, I'll share a couple of insider tips to help you snag the best deals. Let's get into it!

What Tesla Owners Are Paying for Insurance

Insurance rates can vary wildly based on location, coverage, and your driving history, but it's always helpful to see what others are shelling out. Recently, some owners chimed in with their numbers, and they're pretty eye-opening—especially if you're in a high-cost state like me in California.

Take Jebs from Arizona, for example. He's got State Farm covering his vehicles, including home insurance bundled in. Here's the breakdown:

• 2026 Model Y: $101/month
• 2024 Model 3 Performance: $114/month
• Rivian R1T: $110/month

He mentioned a $1,000 deductible, which keeps things affordable. Not bad, right? Then there's Gregor Truck, also in Arizona, paying $142/month for his Cybertruck through Progressive.

I'm honestly a bit jealous! Here in California, we're paying around $180–$220 per vehicle for our Model Y, Cybertruck, and Model X. We do have a cheap Model 3 on liability-only for about $50/month, but overall, it adds up. From polls I've run, most folks across the nation are in the $150–$250/month range. If you're reading this, drop your rates in the comments—what are you paying, and where are you located? Let's compare notes!

Top Tips for Scoring Lower Tesla Insurance

If those numbers have you rethinking your policy, here are two solid tips I shared in the video:

1. Go for Tesla Insurance or Costco Insurance: If it's available in your area, Tesla's own insurance is often the cheapest option because it factors in the car's safety features and data. In California, we loved Costco Insurance (though they've pulled out recently). Shop around and see if you can beat your current rate—let me know in the comments if you've found a better carrier!

2. Pre-Purchase Insurance Quote Hack: Buying a new Tesla? You won't get the VIN until it's assigned in the app, which makes early quotes tricky. Here's a workaround: Head to Tesla's used inventory, find a similar model (like a 2026 Model Y), borrow that VIN, and plug it into insurance sites for an estimate. It's a quick way to gauge costs before committing.

These tips have saved me (and hopefully you) some serious cash. If you've insured a Model Y recently, share your coverage details and payments below—I'm curious!

Protect Your Tesla Beyond Insurance

Insurance is key, but don't forget physical protection. For paint protection film or ceramic coating, check out our friends at 24K Shine. They're mobile installers who'll come to you, and they even provide a loaner vehicle during service. DennisCW viewers, hit them up in the DMs and ask for the "Dennis deal" for a hookup. They washed our vehicles recently, and the results were spotless!

Prefer DIY? Tesbros has awesome kits with four options to choose from. Use the link below for a discount—perfect for keeping your Tesla looking new.

Must-Have Tesla Accessories

Speaking of enhancing your Tesla experience, did you know new Teslas come with zero accessories? Not even a phone mount! I've got you covered with recommendations from our partner Joah—I use their stuff daily.

• Phone Mount: Keeps your device secure during those quick accelerations.
• Center Console Organizer: Prevents losing small items in the abyss.
• Invisible Underscreen Station Mount: My new fave for storing sunglasses.

They've got more goodies like a wireless game controller, portable air compressor, and even an electric scooter for zipping around superchargers. Use our promo code (link in the description) for savings, and get free shipping on orders over $120. Thanks to Joah for supporting the channel!

Final Thoughts

Tesla ownership is awesome, but insurance is a big

What are your insurance rates looking like? Have these tips helped? Share your stories in the comments, and if you're about to buy a Tesla, use that VIN hack to stay ahead. Subscribe for more Tesla tips, and I'll catch you in the next post!

Drive safe, folks—DennisCW out.