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Hi all - live in Illinois. What is the going rate for current owners in terms of car insurance for the Model S? Thank you in advance.

I got a preliminary quote from state farm for 375 for 6 months, but i think he may have quoted the roadster. Even that seems low. However I should know for sure soon since they tell me i should get my car in 1 to 2 months.

Really, that's all?? I was quoted $2000 for 6 months from Allstate in California. I have a spotless record. Sounds like I need to call around more.

State farm quoted me around $560 for 6 months. We are in California.

Geico; $560/6m

I got quoted $1,200 for 6 months but my coverage is $500K/$300K as I'm sure most of Model S owners should have

Ameriprise/Costco $459/6months in Washington State.

I just switched from AAA insurance to Geico on my "S" in SoCal. AAA wanted 1650 for 12 months. Geico was 1543 for the "S" and another auto. Much, better rates..especially if you do an umbrella through them.

State Farm quoted me $425/6 month, including 10y accident free and multiline discounts. I am in Minnesota.

I did this quote from Progressive online ($373.50/6 mo).

I did this quote from Progressive online ($373.50/6 mo).

Wow. I get completely different numbers from Progressive. The art that is insurance quoting.

San Jose, California (Annual Premium)
State Farm: $1162
AAA: $1589
Progressive: $1512
Geico: $1099
Liberty Mutual: $1809
Travelers: $1200

When I checked on insurance they had a difficult time finding any information in their database on Tesla. The first agent asked if this was a Smart car....ahh NO I explained. I finally got with my normal agent after taking delivery this last week and was given a price of $413/6 months with MetLife. This seems pretty reasonable based on the replacement cost.

Farmers, in California, about 1600/year
but you need to compare the liability, deductible, etc to compare apple to apple

Nationwide quoted us just under $1300/year in California ($1000 deductable).

@Schlermie I'm in San Jose as well and State Farm quoted me $2060 for 12 months... plus multi-policy discounts with home & other cars & a perfect driving record!?!

What level of coverage & deductibles did you request in your quotes?

State Farm $556/6mo, Atlanta, $500 deductible.

State farm, $473/6 mos. in Ky.

$1000 deductible with full coverage at $250/500, multi with home,other cars and perfect record. Fully loaded performance. I spoke with Jim Edington in the 95138 area.

@Schlermie, excellent! Thanks so much for the info... that's even higher coverage than I was quoted 0.o
My San Jose State Farm agent (in 95126) might have some explaining to do ;)


You have any idea how much I should expect my insurance to be? I am 23, license holder for 5 years now, no records, Fremont CA. Progressive is quoting me a staggering $300/month!

P14884, why not check the threads already linked above? Like this one:

P14884...try GEICO, their Tesla rates have been good

I just got insurance for my model S in CA. I used to be with AAA, but they wanted 5.6K for 12 months! Switched to Geico for only around 2.6K. I'm a single male 29 year old and have one speeding ticket on record, but everything else is clean.

I would recomendthat people should at least check out Geico. I have been with them for 25 years and never had a problem. And whenever I compared rates theirs have always been the lowest, by far.

Early on I had some unfortunate luck with one of my cars. First a tree fell on it in a wind storm, and a few months later it was stolen. The bottom line was Gieco ended up paying me more on that car than the total of all my premiums to that date. Oh, you ask, how much did my Geico bill go up? Not one cent. Since none of it was my doing, they explained, my policy cost would remain the same. :)

You convinced them you didn't cut down the tree, then? Good job!


I have a couple of speeding tickets and two other vehicles. When to 8 different companies. Essurance was the lowest at 1660 for 6 months, Gieco was the highest at 2430. Nationwide and progressive were the other low two.

@Joyrider - YMMV, but Geico was nearly double every other quote I had. They have to pay for all the gecko commercials somehow.

My State Farm rate in IL is $635 / 6 months. That is with a multi-car and home insurance discount. If I did not have the multi-car, it would have been $766 just for the Model S.