Published Tesla insurance and install costs, with the source next to every number
Tesla Cost Tracker collects published Tesla insurance premiums, FSD related insurance discounts, Tesla Insurance availability by state, and home charger and Powerwall install costs. Every row has a source link and a confidence label. This site is independent and is not insurance advice.
Average monthly premium by insurer, 2025 Tesla Model 3 (Insurify)
Source: insurify.com (Insurify Model 3 page). Confidence: medium. Model year: 2025. Reported: 2026-10. The source's methodology describes bodily injury liability from the state minimum up to 50/100, property damage of $10,000 to $50,000, and $1,000 comprehensive and collision deductibles, for drivers aged 20 to 70 with a clean record and a credit score of 600 or higher. Insurify shows the same 2025 and 2024 insurer tables on its Model 3 and Model Y pages, so these figures may not be specific to the Model 3.
All bars come from one source and one model year, so they are more comparable with each other than rows from different sources. Premiums vary by driver, state and coverage, and this chart is not a ranking or a quote.
Chart data as a table
| Insurer | Average monthly premium | Source | Confidence |
|---|---|---|---|
| USAA | $187 per month | insurify.com | medium |
| GEICO | $221 per month | insurify.com | medium |
| State Farm | $223 per month | insurify.com | medium |
| CSAA | $240 per month | insurify.com | medium |
| Allstate | $248 per month | insurify.com | medium |
| Progressive | $276 per month | insurify.com | medium |
| American Family | $293 per month | insurify.com | medium |
| Nationwide | $342 per month | insurify.com | medium |
| Travelers | $361 per month | insurify.com | medium |
| The General | $403 per month | insurify.com | medium |
About this site
Numbers are shown as the sources published them. Where a value is blank, the site says "not stated" and does not fill it in. Rows from different sources use different driver profiles and coverage, so compare within a source, not across sources.
computed from this dataset, see methodology