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Insurance for Model S in Massachusetts

davesm

Member
Dec 24, 2015
73
10
Massachusetts
It's been about two years since there's been a thread on this, and would much appreciate any advice (and rates if you don't mind sharing) for auto insurance in Massachusetts for a Model S.

My current carrier is Pure Insurance, $750/year for our Prius, and it would be an additional $1,830/year to add the Tesla. Pure provided us great service when our last car was totaled, but just want to make sure that we're not being overcharged for the Tesla (I hear rates vary considerably), and to see if there are better options out there...
 

Branzo90D

Salt and Pepper
Oct 13, 2015
154
101
NorCal
I used to live in Massachusetts, but now in northern California. I have always had Amica Mutual Insurance. Since they are a mutual company (owned by the people who are insured), you will pay a bit more upfront. But expect to get a 20 - 25% rebate on your premiums at year end if you've had no accidents. I have been with them for over 20 years and their customer service is top notch. Check Consumer Reports - they are rated first or second only to USAA. [Since I am not a current or former member of the miltary or a family member of a military person, I cannot get USAA.]

In my experience, their rates are competitive, considering the rebate at year end, and their customer service is outstanding. I'd give them a call. Good luck!
 

bigmaple1

Member
Apr 26, 2013
77
18
new england
I currently have Liberty Mutual for my auto coverage (including my Tesla). I haven't had a claim, so I can't speak to any details around that, but the rates are competitive. I had Geico for the Tesla, but they raised my rates by 10% the first year, and 30% the year after that with no claims. I have also had Safety Insurance for my Tesla, and their rates where good, but their service was abysmal. Don't be afraid to shop around - it's hasn't been hard to find policies in the $1200-$1400/yr range.
 

David29

Supporting Member
Supporting Member
Aug 1, 2015
2,268
1,961
DEDHAM, MA
I am fortunate to be able to use USAA. My premium for a leased 70D is $1263. I emphasize the lease because the lease requires limits higher than I have usually carried, including a $500 deductible on collision and comprehensive, and $300K/$500K for all 3 bodily injury categories.
 

sbanks

Member
Jun 16, 2014
83
27
Swampscott, MA
I have Norfolk & Dedham through my local insurance agent and pay $1600 for my 2014 MS; $725 more than we pay for my wife's 2007 Volvo S60. And $1275 more than we pay for our 2007 Vespa LX150.....
 

RedSoxFan18

Member
Nov 12, 2015
113
64
Freeport, ME
I used to live in Massachusetts, but now in northern California. I have always had Amica Mutual Insurance. Since they are a mutual company (owned by the people who are insured), you will pay a bit more upfront. But expect to get a 20 - 25% rebate on your premiums at year end if you've had no accidents. I have been with them for over 20 years and their customer service is top notch. Check Consumer Reports - they are rated first or second only to USAA. [Since I am not a current or former member of the miltary or a family member of a military person, I cannot get USAA.]

In my experience, their rates are competitive, considering the rebate at year end, and their customer service is outstanding. I'd give them a call. Good luck!

^^ +1. Signed up with Amica when I lived in MA and kept them after moving to ME. They have always treated me well. Added my Model S 6 weeks ago and it was $300 with about 6 months left on my policy.
 

Branzo90D

Salt and Pepper
Oct 13, 2015
154
101
NorCal
Anytime you need help with insurance from Amica, just call them as RedSoxFan says (I am still a fan, by the way!). They did our home and earthquake insurance here in California as well. Great company!
 

davesm

Member
Dec 24, 2015
73
10
Massachusetts
The quote I got from Amica was $4,257, compared to $1,765 from Liberty Mutual.

I assume the rebate check isn't large enough to make up for that difference??

And, FWIW, the Amica rep had never heard of Tesla and seemed to have a lot of trouble making the quote (had to check with a supervisor, but then was sure it was the correct quote).
 

tliving

Member
Mar 8, 2014
751
102
New England, USA
$806 for my 2014 Model S85 with USAA:
Screen Shot 2016-02-21 at 9.44.38 PM.jpg

Also USAA has an annual rebate check you get too (not a lot of money though)
 
Last edited:

tliving

Member
Mar 8, 2014
751
102
New England, USA
That's great, but I'm not eligible for USAA as far as I and their website can tell (my Dad was in the army in the 1950's, but that doesn't seem to be enough).

Im eligible as my dad was in the army in the 60's. Im not sure of all their rules but it would seem if i'm eligible you should be.
 

RedSoxFan18

Member
Nov 12, 2015
113
64
Freeport, ME
The quote I got from Amica was $4,257, compared to $1,765 from Liberty Mutual.

I assume the rebate check isn't large enough to make up for that difference??

And, FWIW, the Amica rep had never heard of Tesla and seemed to have a lot of trouble making the quote (had to check with a supervisor, but then was sure it was the correct quote).

I have no explanation for that. My annual policy for Amica is $2,850 for 4 autos - (BMW M5, BMW 328, Ford Expedition, Tesla Model 85D) with an 19 year old son and 16 year old daughter on the policy.
 

jeffreys

Member
Oct 20, 2015
57
29
Boston, MA
I got a quote yesterday from Amica for swapping in a X P95D for one of my existing cars (consider it worth $0, it's not far off). The net change was +$691 per year. Reasonable enough I'm not going to shop around.
 

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