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BeepNode
The City of Central
Member since Feb 2014
1346 posts

Tesla owners of the OT: how much is your auto insurance?
What type Tesla do you have, what state, and how did it impact your insurance rates compared to your previous/other vehicles?

Will it be lower if I get the slower base model?

I'm plugging in the numbers into the Geico quote generator and it has insurance for the a base model 3 as being 3x more expensive than insurance on my Silverado LTZ. That seems ridiculous.
This post was edited on 12/2 at 7:58 pm


TheOcean
Florida State Fan
#honeyfriedchicken
Member since Aug 2004
39539 posts
 Online 

re: Tesla owners of the OT: how much is your auto insurance?
Mine increased by $50/month.


BeepNode
The City of Central
Member since Feb 2014
1346 posts

re: Tesla owners of the OT: how much is your auto insurance?
quote:

Mine increased by $50/month.


Thanks. What kind of car did you move from and what kind of Tesla do you have?


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50
CharlesLSU
LSU Fan
Member since Jan 2007
25418 posts

re: Tesla owners of the OT: how much is your auto insurance?
Don’t buy the horse if you can’t feed it.


BeepNode
The City of Central
Member since Feb 2014
1346 posts

re: Tesla owners of the OT: how much is your auto insurance?
quote:

Don’t buy the horse if you can’t feed it.



All the more reason to ascertain how much it costs to feed said horse.


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370
DCtiger1
LSU Fan
Panama City Beach
Member since Jul 2009
4325 posts

re: Tesla owners of the OT: how much is your auto insurance?
Most of the Tesla’s I insure in FL are around 800-1000 every six months with 100/300 liability limits.

Most people think they should be cheaper to insure because of the tech, but that isn’t the case. They are expensive to repair and the parts are hard to obtain


Yewkindewit
LSU Fan
Near Birmingham, Alabama
Member since Apr 2012
13924 posts

re: Tesla owners of the OT: how much is your auto insurance?
Paging Bananahammock...... His is a badass machine!


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01
shel311
Nicholls St. Fan
McKinney, Texas
Member since Aug 2004
72772 posts

re: Tesla owners of the OT: how much is your auto insurance?
quote:

What type Tesla do you have, what state, and how did it impact your insurance rates compared to your previous/other vehicles?
2019 Mid-range Model 3, Texas, $10/month cheaper than the 2015 Dodge Charger I previously had.


MrLSU
LSU Fan
New York/New Orleans/Melbourne/30A
Member since Jan 2004
13512 posts

re: Tesla owners of the OT: how much is your auto insurance?
Factor in the electricity costs to charge it up too.


1hogfan
Arkansas Fan
AR
Member since Dec 2008
112 posts

re: Tesla owners of the OT: how much is your auto insurance?
I'm not a current owner, but I am pricing them as well. I contacted my insurance agent and my premiums will go up about $10/month over my current 2016 Altima in central Arkansas.


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BeepNode
The City of Central
Member since Feb 2014
1346 posts

re: Tesla owners of the OT: how much is your auto insurance?
quote:

I'm not a current owner, but I am pricing them as well. I contacted my insurance agent and my premiums will go up about $10/month over my current 2016 Altima in central Arkansas.


Well, that's not too bad. Maybe the Geico quote I got was a fluke. I'll reach out to progressive tomorrow. If it only goes up $10/mo I'm going to pull the trigger. I already put a deposit down on a Cybertruck but it could be 2-3 years before they release the AWD version.


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00
Jdiggy
LSU Fan
Member since Nov 2016
147 posts
 Online 

re: Tesla owners of the OT: how much is your auto insurance?
Mine was $300/mo and went up $50/mo.


Korkstand
LSU Fan
Plaquemine, LA
Member since Nov 2003
16697 posts

re: Tesla owners of the OT: how much is your auto insurance?
quote:

Most of the Tesla’s I insure in FL are around 800-1000 every six months with 100/300 liability limits.

Most people think they should be cheaper to insure because of the tech, but that isn’t the case. They are expensive to repair and the parts are hard to obtain
What's the crash rate data looking like? Is there enough data to determine whether they crash more/less than other vehicles?


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10
Korkstand
LSU Fan
Plaquemine, LA
Member since Nov 2003
16697 posts

re: Tesla owners of the OT: how much is your auto insurance?
quote:

Mine was $300/mo and went up $50/mo.


What were you driving, and where are you?


Obtuse1
Wofford Fan
The Diversion
Member since Sep 2016
7028 posts

re: Tesla owners of the OT: how much is your auto insurance?
quote:

Factor in the electricity costs to charge it up too.


The net cost of electricity vs gas will be significantly less for the Telsa than the P/U.


BeepNode
The City of Central
Member since Feb 2014
1346 posts

re: Tesla owners of the OT: how much is your auto insurance?
quote:

The net cost of electricity vs gas will be significantly less for the Telsa than the P/U.



Yep. I have DEMCO so it won't be bad at all. There's a 50 amp circuit that the previous owner used to backfeed from a generator (suicide plug) that I can have the electrician repurpose for a charger outlet. The charger itself is $500.

What's crazy is that the increased insurance premiums going from a truck to a Tesla will be as much, if not more than what I save on fuel.


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Dr.Funke
Auburn Fan
Not a real Doctor
Member since Dec 2011
516 posts

re: Tesla owners of the OT: how much is your auto insurance?
$114/ mo

State farm
Alabama
30 year old male
2018 LR model 3

just checked my bank statements because it's on autopay so I don't pay attention. past 2 months I have been charged $102, don't know what thats about
This post was edited on 12/2 at 11:34 pm


THRILLHO
New Orleans Pelicans Fan
New Orleans, LA
Member since Apr 2006
47766 posts
 Online 

re: Tesla owners of the OT: how much is your auto insurance?
The indestructible CYBERTRUCK will cost nothing to insure as it will destroy everything in its path.


Korkstand
LSU Fan
Plaquemine, LA
Member since Nov 2003
16697 posts

re: Tesla owners of the OT: how much is your auto insurance?
quote:

The indestructible CYBERTRUCK will cost nothing to insure as it will destroy everything in its path.


I like the concept of a unibody chassis, but I'm not sure the extent to which it is "uni-". It would suck if something did crush a quarter panel and you need a whole new chassis.


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shel311
Nicholls St. Fan
McKinney, Texas
Member since Aug 2004
72772 posts

re: Tesla owners of the OT: how much is your auto insurance?
quote:

Factor in the electricity costs to charge it up too.
Good point, factor in the huge savings on charging up vs gas.
This post was edited on 12/3 at 8:45 am


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