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Tesla Car Insurance


Types of car insurance for a Tesla

Tesla insurance in the UK typically offers three insurance types to choose from. These range from more basic to fully comprehensive policies. Teslas typically sit in the highest insurance groups, so expect higher premiums. You will, however, want to be sure you have the right type of cover in place. 

Comprehensive car insurance for a Tesla

Fully comprehensive car insurance is typically the most suitable option for high-value vehicles like Teslas. It not only meets the statutory need of providing cover for any third-party claims, it also provides you and your vehicle with protection in the event of damage, fire or theft.  

Third party Tesla insurance

Third-party insurance for Teslas is the minimum legal level of coverage. This level of cover protects against claims from third parties only. It will not protect you or your vehicle. 

Third party, theft and fire car insurance

This level of cover provides your vehicle with protection against fire and theft, as well as any third-party claims. This cover will not provide you or your vehicle protection in the event of an accident. 

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How can I get cheap Tesla car insurance quotes?

If you are looking for cheap Tesla insurance, it is important to make sure you explore as many options as possible. In addition to shopping around and comparing a wide range of quotes in your search for the cheapest Tesla insurance in the UK, you can also tailor your insurance requirements to ensure you optimise your available options. 

Lower your annual mileage

Insurers determine their premiums on the basis of the level of risk they face. The more miles you drive, the greater the statistical risk that a claim will be made. You can potentially reduce your premium by only taking out cover for the mileage you need. 

Improve your Tesla’s security

Improving your security, both on the vehicle itself, and how it is stored can reduce the risk of theft or incidents. If you can reduce the risk insurers face when insuring your vehicle, you can typically reduce your premium as well. 

Avoid modifications

Modifications that add value or increase the risk of incidents will tend to increase your premium. Performance enhancements, for example, could increase the risk of accidents which will likely increase your premium as well. 

Add another driver to your insurance policy

Adding a named driver with a clean claims history and significant driving experience can be viewed favourably by insurers. This can lead to a cost reduction on your Tesla car insurance in the UK. 

Pay insurance premiums annually if possible

It is standard practice for insurers to offer a discount on insurance premiums paid annually instead of monthly. This is one of the simplest ways to lower your overall Tesla insurance cost. 

Increase your voluntary excess

This is the amount you pay on any insurance claim before your insurance kicks in. The higher your excess, the greater the discount you can typically achieve on your premium.

Only choose the coverage you need

If you are looking for the best price on your Tesla insurance it makes sense to only take out the coverage you need. That said, you should cover any specific needs you have. For example, if you often travel to Europe, you may want to consider Tesla European cover as an add-on.

How much does it cost to insure a Tesla?

The cost of insuring a Tesla is determined by several factors. These relate to the vehicle itself, as well as the insurance choices you make and your personal details. Here is a summary of some of the key variables insurers consider when determining a personalised insurance quote: 

  • Your particular Tesla  – the vehicle’s age, value, condition and mileage. 
  • Your insurance choices – your mileage requirements, excess chosen and other add-ons. 
  • Your details – where you live, your age, driving record and history of claims. 

You can compare a wide range of quotes in order to receive accurate personalised prices.

Tesla insurance groups

The Tesla insurance group your vehicle falls into is determined by several factors including the vehicle’s model, value, performance, and the availability and cost of spare parts. There are 50 insurance groups, with group 50 being the most expensive and group 1 being the least expensive. 

Tesla Model 3 insurance group

Your Tesla Model 3 insurance cost will be determined in part by the insurance group it is assigned. Model 3 Teslas can fit into a broad range of insurance groups, from group 36, all the way up to group 50 depending on the particular vehicle. 

Tesla Model Y insurance group

As a high-performance vehicle of considerable value, the Model Y SUV sits in groups 46-50. These are on the highest end of the insurance group ranking scale.

Tesla Model X insurance group

The Tesla Model X SUV sits in group 50, which is the highest and most expensive insurance group. 

Tesla Model S insurance group

The Tesla Model S is a high-performance vehicle of significant value. It sits in insurance group 50. Group 50 is the highest insurance group in the UK.

Tesla Cybertruck insurance group

Should the Tesla CyberTruck become available for sale in the UK, the insurance group it is assigned will be determined by its categorisation. If it is categorised as a commercial vehicle, it could be sorted into a lower insurance group than might be expected for a Tesla like this. 

Tesla insurance FAQs

How much is Tesla insurance?

It depends. Insurance premiums are determined by a variety of factors that relate to the vehicle itself and you personally. The fastest way to find out how much Tesla insurance will cost you is to compare personalised Tesla insurance quotes. At Quotezone, we help you compare over 110 trusted UK providers in minutes. 

Who does the best Tesla insurance in the UK?

There are a wide range of insurers in the UK. The best insurer for your needs and circumstances will probably be different from other drivers. We recommend that drivers source a wide range of quotes from various insurers, compare them side by side and choose the best Tesla insurance for them. 

Why is Tesla insurance so high in the UK?

Tesla insurance costs are high because they are high-performance vehicles of significant value. All Teslas sit in insurance groups that are either the highest or close to the highest on a scale of 1-50. 

What is the cheapest Tesla to insure?

Insurance rates are determined by a variety of factors including the particular vehicle’s value. An older Tesla with a lower replacement value will likely cost less to insure than a higher-performance, and higher valuable alternative. 

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