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Tesla Car Insurance

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What cover do I need for my Tesla?

When you take out car insurance for your Tesla, you’ll be able to choose from the following three levels of cover:

  • 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


*Based on policies with one driver holding a full UK driving licence. MoneySuperMarket data collected between April 2021 and April 2022.

How much does Tesla car insurance cost?

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.

The most expensive Tesla to insure is the Model-S 85, but the most common by far over the last year is the Model-3.

Tesla Model

Average annual premiums*











*Based on fully comprehensive policies with one driver holding a full UK driving licence. MoneySuperMarket data collected between April 2021 and April 2022.

What extras can I add to my Tesla car insurance policy?

Electric car insurance policies come with a range of extra cover features that may either be included as standard – usually with fully comprehensive policies – or available as an add-on you can purchase. Keep an eye out for:

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    Motor legal protection

    Motor legal protection offers you financial help with legal costs you might face related to a car insurance claim

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    Personal accident cover

    Personal accident cover pays out a lump sum if you’re seriously or fatally injured in a car accident

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    Breakdown cover

    Breakdown cover gives you access to roadside assistance – and sometimes a courtesy car – if yours breaks down while you’re on the road

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    Personal belongings cover

    Personal belongings cover protects your possessions left in the car should they become lost, damaged or stolen 

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    Car key cover

    Car key cover lets you claim for a new set of car keys if yours become lost, damaged or stolen

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    Windscreen cover

    Windscreen cover offers help if you have a chip in your windscreen – and often doesn’t affect your no-claims bonus

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What additional benefits can I get with Tesla car insurance?

Additional benefits may come as standard or can be added onto your policy as an extra, depending on which provider you insure your Tesla with. Always check the small print of your policy documents to make sure what you want is covered.

  • Cover for charging cables: To protect charging cables, wall boxes and adapters

  • Battery cover: Cover for your car battery, even if you’re leasing it separately from the car

  • Recovery to the nearest chargepoint: If you run out of charge on the move, you can get roadside assistance to recharge your car and get you back on the move  

  • Over the air software updates: Offering additional featured to enhance your cars overall performance or capabilities. Upgrades can be purchased from the Tesla app


Why get Tesla car insurance via MSM?

Join over 5,000 EV drivers who insured their Tesla with us. 5,821 people have insured their Tesla with MoneySuperMarket (figures accurate as of May 2022).

  • Speedy and simple

    Just pop in a few details about yourself, your electric car, and the cover you need

  • See your savings

    We’ll do the legwork to find the cheapest electric car insurance that offers the cover you need

  • Never miss a renewal

    With Car Monitor, we can remind you when your MOT and tax are due, so you never miss a renewal dates

How can I get cheaper car insurance for my Tesla?

Tesla cars aren’t the cheapest to insure by any means, so it can help to look for ways of reducing your premiums – consider the following:

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    Pay annually

    Paying your premiums in bulk every year often works out cheaper than spreading the cost over 12 months.

  • 2

    Pay more excess

    Volunteering a higher excess payment tells insurers you’re unlikely to bother with small claims, lowering your overall risk

  • 3

    Build a no claims bonus

    If you can avoid making claims for a year or more you’ll start to build a no-claims discount on your car insurance premiums

  • 4

    Keep your car safe and secure

    Keep your car stored in a locked garage or at least on a driveway, and having factory installed alarms and immobilisers reduces the risk of theft

  • 5

    Lower your mileage

    The less you drive the lower the chances of being involved in an accident – so giving a low estimated mileage can get you cheaper cover

  • 6

    Avoid modifications

    It can be tempting to add modifications to your car but this will likely increase your premiums unless they’re safety or security based

Tesla's are often more expensive to insure than other electric cars and this can be put down to their high repair costs. They are made with expensive materials and sophisticated technology meaning if anything goes wrong, it costs a lot to fix it. Remember though that the price of your policy will also depend on the model of Tesla you drive, your location, age and driving history.

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