Fully comprehensive
✔ Highest level of protection
✔ Injuries and damage to you and your car
✔ Fire and theft
✔ Injuries and damage to others
✔ Legal protection
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Save up to £485[2] on car insurance
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Based on fully comprehensive policies for all drivers across the UK.
The Tesla Model 3 has high up-front costs but is relatively cheap to power, thanks to its electric power train. Charging costs are lower than fuel, but repairs to the battery might be costly - and insurance premiums are generally high too.
Yes, the Tesla Model 3 falls into higher insurance groups due to its advanced technology, high repair costs and premium value. Insurance premiums for the Model 3 factor in things like specialist repairs and battery replacements which can be expensive, which means your premiums will be expensive too.
Fully comprehensive car insurance offers the highest level of cover and can often be cheaper than the other options.
If your car is damaged in an accident, fully comprehensive is the only level of cover that will protect you financially against any costs related to you or your vehicle. Third-party policies are designed to protect other drivers in the event you cause an accident.
Some of the factors that impact the cost of your car insurance are difficult to change: your job, where you live, how old you are.
But there are tweaks everyone can make to bring down your premiums. These include:
Increase – or add – a voluntary excess to get cheaper premiums. But make sure you could afford to pay this amount in the event of a claim.
Our research shows this is when you’ll get offered the best renewal quotes and that comparing quotes on this day can save you up to £231[4].
Pay for your car insurance in one go. Annual payments are up to 31% lower than the total cost of monthly instalments, saving you up to £267.
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024.
Convictions and endorsements for speeding or other driving offences will mean paying more for insurance.
Add-ons like breakdown cover cost extra to add to your policy. Cutting out the extras you don't need can reduce your car insurance price.
The more no claims bonus you have, the cheaper your premium will be.
You can reduce the cost of motor insurance by parking your vehicle off the road – such as a secure car park or locked garage – when you're not using it.
Young or inexperienced drivers can reduce premiums by adding an older driver to their policy.
You will generally find that Tesla Model 3s are sorted into insurance groups ranging from 36 to 50, indicating that these cars are among the most expensive to insure. Cars in these groups are often more powerful, valuable and harder to repair, so insurers will often charge more to insure them as a result of the higher risk involved.
As an electric car with advanced technology and expensive battery components, the Model 3 comes with steep repair costs which will drive up insurance premiums. If you’re looking for cheaper cover, you could think about cars like the Volkswagen ID.3 or the Nissan Leaf for more affordable insurance.
This table shows insurance groups for some common models:
Model | Insurance group |
|---|---|
Standard Trim RWD Auto 4d | 36 |
Standard Range Plus auto 4d | 48 |
Long Range RWD Auto 4d | 38 |
Performance All-Wheel Drive auto 4d | 50 |
Don't see your car model?
You can choose between three types of car insurance:
✔ Highest level of protection
✔ Injuries and damage to you and your car
✔ Fire and theft
✔ Injuries and damage to others
✔ Legal protection
✔ Injuries and damage to others
✔ Fire damage to your car
✔ Theft of your car
✔ Legal requirement
✔ Injuries and damage to others
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