Tesla Insurance coming to Texas

Ridley

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George
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Apr 18, 2023
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California
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Tesla Model S
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Can you provide information about your insurance policies in Texas? Specifically, did you opt for Tesla insurance or did you go with a different option?

Tesla rates by model

Tesla Insurance is known for its unique approach to car insurance, utilizing data from Tesla's built-in safety features to offer lower rates for safe driving. By analyzing the data collected from cameras, sensors and autopilot, Tesla Insurance is able to reward drivers who practice safe behaviors on the road.

Tesla ModelEstimated Insurance Rate (per year)
Model S$1,200 (high deductibles) - $2,475
Model X$1,250 (high deductibles) - $2,840
Model 3$1,100 (high deductibles) - $2,236
Model Y$1,150 (deductibles $2,000 and more) - $2,450

With Tesla's mission to create a sustainable future, it's no surprise that Tesla Insurance also offers policies that focus on sustainability, with discounts available for electric vehicle (EV) owners. Tesla owners who switch to Tesla Insurance can expect to pay less for coverage while reducing their carbon footprint.
 

BayouCityBob

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Apr 14, 2022
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2018 Model 3
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Can you provide information about your insurance policies in Texas? Specifically, did you opt for Tesla insurance or did you go with a different option?

Tesla rates by model

Tesla Insurance is known for its unique approach to car insurance, utilizing data from Tesla's built-in safety features to offer lower rates for safe driving. By analyzing the data collected from cameras, sensors and autopilot, Tesla Insurance is able to reward drivers who practice safe behaviors on the road.

Tesla ModelEstimated Insurance Rate (per year)
Model S$1,200 (high deductibles) - $2,475
Model X$1,250 (high deductibles) - $2,840
Model 3$1,100 (high deductibles) - $2,236
Model Y$1,150 (deductibles $2,000 and more) - $2,450

With Tesla's mission to create a sustainable future, it's no surprise that Tesla Insurance also offers policies that focus on sustainability, with discounts available for electric vehicle (EV) owners. Tesla owners who switch to Tesla Insurance can expect to pay less for coverage while reducing their carbon footprint.
I have shopped this several times and never found them competitive. At least for our two model 3s in Houston, Tesla has very expensive coverage versus even high end providers like Pure (former carrier) or high customer service carriers like USAA (our current carrier) or mass market carriers like State Farm / Progressive, and also discount deals like Costco.
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