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TESLA CAR INSURANCE

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About Tesla

Founded in 2003, Tesla is an American electric vehicle and clean energy company that designs and manufactures electric cars and renewable energy products. Established by engineers including Elon Musk, the company focuses on advancing sustainable energy. In the UK, the most popular Tesla model is the Model 3, which has gained significant popularity among electric vehicle enthusiasts.

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How much does it cost to insure a Tesla?

The cost of insuring a Tesla will depend on the model you have, as well as factors such as your age and driving history.

Insurance providers sort cars into different insurance groups, with one being the least expensive and 50 the most expensive. The higher the insurance group, the more expensive your insurance will be.

Model

Average yearly premium

Model-3 Long Range AWD

£1,265.84

Model-Y Long Range AWD

£1,514.11

Model-3 Standard Range Plus

£1,136.12

Model-3 Performance AWD

£1,132.93

Model-Y RWD

£1,455.63

Model-3 Performance

£1,091.11

How can I get cheaper insurance for my Tesla?

Don’t accept the first price you see. Too many people let their car insurance automatically renew at a much higher price. Use a comparison service like ours to check you’re getting a competitive deal when your car is coming up for renewal.

Offering to pay a higher excess shows you won't make smaller claims - but be sure it's an amount you can afford if you do need to claim.

Driving fewer miles means your risk of being involved in an accident is lower, so you'll likely need to pay less for cover.

Paying annually might be a bigger initial spend, but you'll often end up paying less overall than you would with monthly payments.


Enhancing car security with wheel locks, alarms and immobilisers, as well as being kept off the street at night, can reduce insurance costs.

Modifying your car can be tempting - but the customised feel, improved performance and extra features usually mean your premiums increase.

What type of insurance do I need?

Third-party only
Third-party only is the minimum level of cover you need to drive in the UK – it covers damage you do to a third party, their car or their property

Third-party, fire and theft
Third-party, fire and theft policies add cover for your own car if it’s stolen or damaged as a result of fire or an explosion

Fully comprehensive
Fully comprehensive policies offer everything included above, as well as a range of extra cover for you and your vehicle

Fully comprehensive

£1,045.41 [0]

Third-party, fire and theft

£1,280.63 [0]

Third-party only

£1,640.06 [0]

Average cost of car insurance by policy type for Teslas

Where can I get insurance for my Tesla?

MoneySuperMarket's comparison tool allows you to compare quotes from trusted insurers across the UK. Once you've filled out a few details, we'll compile all your quotes in one place to help you find the best deal on your car insurance.

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What do I need to get accurate car insurance quotes?

  • Your car registration number and driving licence number

  • Any no-claims bonus you’ve accrued

  • When you bought the car and any modifications made

  • Your expected annual mileage

  • Whether you’ll use the car for social, commuting, or business purposes

Note: you can still get a quote if you don't know the registration yet

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Compare quotes from 177[2]Accurate as of 07 February 2025. insurers to find the best deal for you

It only takes a few minutes

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Check out our manufacturers page for more makes and models.

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The main reason that Tesla insurance is quite high in the UK is because of the high cost of their technology and parts. Since Tesla’s are expensive cars, they are also seen as being more risky to insure.

Tesla’s are usually seen to be less expensive than luxury cars to maintain, however when electronics fail it can be quite expensive to repair. Electronic repairs are generally more expensive than tires, brakes, and suspension repairs. 

Overall, charging a Tesla in the UK is relatively affordable. The cost of charging your Tesla will depend on the type of charger you use, the electricity tariff you have, and the size of your Tesla's battery.

Yes, Tesla insurance offers a variety of cover options. Tesla uses data from its own vehicles to assess risk and offer potential lower rates to Tesla owners. 

The cost of insuring a Tesla will depend on a range of factors, including your age, location and driving history as well as the specific model you have.

Insurers sort cars into different insurance groups numbered from one to 50 – with cars in group one usually being the cheapest to insure.

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You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.