2019 Tesla Model S Car Insurance Calculator

Find out how changes to different risk factors impact the cost of car insurance for a 2019 Tesla Model S. Customize rate factors like your marital status, location, homeowner status, and credit rating. Instantly know if rates get cheaper or more expensive and why.

The average estimated car insurance premium for a 2019 Tesla Model S is $2,788 per year, or about $232 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

$2,788

Cost Per Month

$232

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 2019 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.

$2,788
Average Rate
Your Rate
$2,788

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 2019 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 2019 Tesla Model S is $2,788.

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.

2019 Tesla Model S Segment Comparison

The table below compares insurance rates for the 2019 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.

2019 Tesla Model S Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,850-$938
2Lexus IS 300$2,006-$782
3Lexus RC 300$2,094-$694
4Lexus ES 350$2,140-$648
5Lincoln MKZ$2,166-$622
6Mercedes-Benz SLC300$2,188-$600
7Mercedes-Benz AMG CLA45$2,198-$590
8Audi A3$2,236-$552
9Mercedes-Benz CLA250$2,260-$528
10Audi S5$2,264-$524
11Mercedes-Benz E300$2,274-$514
12Genesis G80$2,290-$498
13Lexus ES 300H$2,312-$476
14BMW 430i$2,328-$460
15Lexus GS 300$2,368-$420
16Audi A6$2,378-$410
17Audi S4$2,390-$398
18Lexus GS 350$2,396-$392
19Mercedes-Benz CLS450$2,410-$378
20BMW 540i$2,442-$346
21BMW 530i$2,444-$344
22Mercedes-Benz E450$2,474-$314
23Jaguar XF$2,484-$304
2019 Midsize Luxury Car Average$2,497-$291
24BMW 440i$2,498-$290
25Mercedes-Benz AMG C43$2,552-$236
26Mercedes-Benz SL450$2,560-$228
27BMW 530e$2,598-$190
28Infiniti Q50$2,614-$174
29BMW M550i$2,726-$62
30Audi RS 5$2,738-$50
31BMW 640i$2,772-$16
32Mercedes-Benz AMG C63$2,782-$6
33Tesla Model S$2,788--
34Lexus GS F$2,914$126
35Mercedes-Benz SL550$2,922$134
36Audi A7$2,946$158
37Lexus LC 500H$2,974$186
38BMW M5$3,134$346
39BMW M6$3,472$684

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.

2019 Model S Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 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.

2019 Tesla Model S Insurance Rates by Trim Level
2019 Tesla Model S Trim Level Annual Premium Cost Per Month
Standard Range AWD$2,644$220
Long Range AWD$2,798$233
Performance AWD$2,918$243

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 2019 Tesla Model S for different driver ages.

2019 Tesla Model S Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,687$807
17$9,430$786
18$8,537$711
19$7,755$646
20$5,975$498
21$5,704$475
22$5,128$427
23$4,199$350
24$3,979$332
25$3,238$270
30$2,980$248
35$2,860$238
40$2,788$232
45$2,598$217
50$2,458$205
55$2,294$191
60$2,298$192
65$2,446$204
70$2,624$219
75$3,056$255
80$3,748$312

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.