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Tesla insurance in Texas
31 priced rows for Texas from 3 public sources. Ranges, not quotes: rows differ by source, model year, coverage and driver profile. An embeddable card is available for this state.
Annual premium range by model
| Model | Lowest to highest annual premium | Priced rows | Sources |
|---|---|---|---|
| Model 3 | $1,020 (Tesla Insurance) to $3,756 (state average) | 9 | nerdwallet.com valuepenguin.com |
| Model S | $4,056 (state average) to $4,956 (state average) | 7 | valuepenguin.com |
| Model X | $3,648 (state average) to $4,272 (state average) | 7 | valuepenguin.com |
| Model Y | $972 (Tesla Insurance) to $3,348 (state average) | 8 | denniscw.com nerdwallet.com valuepenguin.com |
Tesla Insurance and FSD
Tesla lists Texas as a state where Tesla Insurance is offered (tesla.com). 1 row in this state mentions an FSD related insurance benefit; see FSD discounts.
Insurers named in these rows
Farmers, Progressive, Tesla Insurance
Every priced row
| Insurer | Model | Model year | Coverage | Premium as published | Annual equivalent | Date reported | Source | Confidence |
|---|---|---|---|---|---|---|---|---|
| Tesla Insurance | Model 3 | 2025 | full, high limits | $85 per month | $1,020 | 2025-10 | nerdwallet.com | high |
| state average | Model 3 | 2017 | not stated | $256 per month | $3,072 | 2026-10 | valuepenguin.com | high |
| state average | Model 3 | 2019 | not stated | $264 per month | $3,168 | 2026-10 | valuepenguin.com | high |
| state average | Model 3 | 2018 | not stated | $264 per month | $3,168 | 2026-10 | valuepenguin.com | high |
| state average | Model 3 | 2020 | not stated | $267 per month | $3,204 | 2026-10 | valuepenguin.com | high |
| state average | Model 3 | 2021 | not stated | $277 per month | $3,324 | 2026-10 | valuepenguin.com | high |
| state average | Model 3 | 2022 | not stated | $282 per month | $3,384 | 2026-10 | valuepenguin.com | high |
| state average | Model 3 | 2022 | not stated | $301 per month | $3,612 | 2026-10 | valuepenguin.com | high |
| state average | Model 3 | 2022 | not stated | $313 per month | $3,756 | 2026-10 | valuepenguin.com | high |
| state average | Model S | 2017 | not stated | $338 per month | $4,056 | 2026-10 | valuepenguin.com | high |
| state average | Model S | 2018 | not stated | $347 per month | $4,164 | 2026-10 | valuepenguin.com | high |
| state average | Model S | 2019 | not stated | $383 per month | $4,596 | 2026-10 | valuepenguin.com | high |
| state average | Model S | 2020 | not stated | $395 per month | $4,740 | 2026-10 | valuepenguin.com | high |
| state average | Model S | 2022 | not stated | $405 per month | $4,860 | 2026-10 | valuepenguin.com | high |
| state average | Model S | 2021 | not stated | $405 per month | $4,860 | 2026-10 | valuepenguin.com | high |
| state average | Model S | 2022 | not stated | $413 per month | $4,956 | 2026-10 | valuepenguin.com | high |
| state average | Model X | 2018 | not stated | $304 per month | $3,648 | 2026-10 | valuepenguin.com | high |
| state average | Model X | 2021 | not stated | $318 per month | $3,816 | 2026-10 | valuepenguin.com | high |
| state average | Model X | 2017 | not stated | $318 per month | $3,816 | 2026-10 | valuepenguin.com | high |
| state average | Model X | 2019 | not stated | $323 per month | $3,876 | 2026-10 | valuepenguin.com | high |
| state average | Model X | 2020 | not stated | $337 per month | $4,044 | 2026-10 | valuepenguin.com | high |
| state average | Model X | 2022 | not stated | $356 per month | $4,272 | 2026-10 | valuepenguin.com | high |
| state average | Model X | 2022 | not stated | $356 per month | $4,272 | 2026-10 | valuepenguin.com | high |
| Tesla Insurance | Model Y | 2025 | full, high limits | $81 per month | $972 | 2025-10 | nerdwallet.com | high |
| Progressive | Model Y | 2023 | full, high limits | $82 per month | $984 | 2026-10 | denniscw.com | medium |
| Farmers | Model Y | 2026 | not stated | $150 per month | $1,800 | 2026-09 | denniscw.com | medium |
| Tesla Insurance | Model Y | 2023 | full, low limits | $230 per month | $2,760 | 2026-09 | denniscw.com | medium |
| state average | Model Y | 2021 | not stated | $236 per month | $2,832 | 2026-10 | valuepenguin.com | high |
| state average | Model Y | 2020 | not stated | $253 per month | $3,036 | 2026-10 | valuepenguin.com | high |
| state average | Model Y | 2022 | not stated | $255 per month | $3,060 | 2026-10 | valuepenguin.com | high |
| state average | Model Y | 2022 | not stated | $279 per month | $3,348 | 2026-10 | valuepenguin.com | high |
Sources
- valuepenguin.com: 26 rows
- denniscw.com: 3 rows
- nerdwallet.com: 2 rows
- tesla.com: 1 row
- tesla.com: 1 row
Annual equivalent is computed as monthly premium x12, 6 month premium x2, yearly premium x1. See the methodology for confidence labels. Other states:
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