2013 Tesla Model S Car Insurance Calculator

Get instant feedback how changing risk factors influence insurance rates for a 2013 Tesla Model S. Change policy coverages, liability limits, deductibles, and driver's age plus many other factors. Instantly see how changes you make impact the rate.

The average estimated car insurance premium for a 2013 Tesla Model S is $2,266 per year, or about $189 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,266

Cost Per Month

$189

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Tesla Model S Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2013 Tesla Model S.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,266
Average Rate
Your Rate
$2,266

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2013 Tesla Model S trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 Tesla Model S is $2,266.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 Tesla Model S Segment Comparison

The table below compares insurance rates for the 2013 Tesla Model S against all other models in the midsize luxury car segment. The Tesla Model S is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Tesla Model S, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Tesla Model S.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 Tesla Model S Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A3$1,434-$832
2Acura TL$1,458-$808
3Acura ILX$1,492-$774
4Acura TSX$1,532-$734
5Volvo C70$1,558-$708
6Lincoln MKZ$1,578-$688
7Lexus GS 350$1,586-$680
8Lexus ES 350$1,614-$652
9Audi A6$1,618-$648
10Lexus ES 300H$1,640-$626
11Mercedes-Benz SLK55 AMG$1,654-$612
12Mercedes-Benz C350$1,692-$574
13Volvo S80$1,750-$516
14Infiniti G37$1,776-$490
15Audi S5$1,786-$480
16Mercedes-Benz E350$1,800-$466
17BMW 528xi$1,802-$464
18Hyundai Genesis$1,806-$460
19Infiniti M35$1,818-$448
20Jaguar XF$1,822-$444
21Mercedes-Benz E550$1,848-$418
22Mercedes-Benz E400$1,858-$408
23Infiniti M37$1,864-$402
24BMW 535xi$1,886-$380
25BMW 550xi$1,906-$360
26Audi S4$1,912-$354
27BMW 528i$1,914-$352
28BMW Activehybrid 5$1,926-$340
29BMW 535i$1,958-$308
2013 Midsize Luxury Car Average$1,963-$303
30Audi RS 5$1,966-$300
31BMW 550i$1,980-$286
32Jaguar XK$1,996-$270
33Mercedes-Benz SL550$2,010-$256
34Audi S6$2,064-$202
35BMW 640i$2,126-$140
36Mercedes-Benz S400$2,152-$114
37Audi S7$2,170-$96
38Audi A7$2,194-$72
39Tesla Model S$2,266--
40Jaguar XKR$2,298$32
41Mercedes-Benz S350$2,324$58
42BMW M6$2,334$68
43BMW 650xi$2,370$104
44BMW M5$2,380$114
45Mercedes-Benz SL63 AMG$2,572$306
46Mercedes-Benz CL63 AMG$2,820$554
47Mercedes-Benz SLS AMG$2,920$654
48Mercedes-Benz SL65 AMG$3,012$746

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 Model S Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Tesla Model S.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 Tesla Model S Insurance Rates by Trim Level
2013 Tesla Model S Trim Level Annual Premium Cost Per Month
40 kWh Sedan$2,108$176
60 kWh Sedan$2,190$183
85 kWh Sedan$2,282$190
85 kWh Performance Sedan$2,482$207

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 Tesla Model S for different driver ages.

2013 Tesla Model S Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,175$681
17$7,856$655
18$6,927$577
19$6,358$530
20$4,849$404
21$4,625$385
22$4,126$344
23$3,441$287
24$3,233$269
25$2,626$219
30$2,408$201
35$2,336$195
40$2,266$189
45$2,132$178
50$2,024$169
55$1,886$157
60$1,888$157
65$2,010$168
70$2,194$183
75$2,606$217
80$3,206$267

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Tesla Model S trim levels.