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Insurance premiums for the Model 3

SouthBayGuy

Member
Apr 22, 2018
112
80
California
I have been insured with 21st Century for many years. But they have been raising my rates quite a bit lately. So I shopped around and went with Progressive and saved a lot of money. Unfortunately, it was hard for me to cancel with 21st Century. The only way to cancel with them is to send an email. But they never responded to my email. So I will have double coverage for a couple of months until my 21 Century coverage runs its course.
 

telsa5912

Member
Jan 1, 2020
14
0
Los Angeles
What is a typical coverage that people get for their car? Model 3 will be my 1st car and i am hunting for insurance quotes and i have no clue what all should i include in my coverage.
 

jrweiss98020

Tessa's Tesla
Jan 9, 2020
421
297
Edmonds, WA
I recommend no less than $300K/500K/100K liability insurance, with uninsured motorists coverage for the same. You may also decide to get an umbrella policy to cover up to $1M for auto/home/boats.

Get quotes for the various levels of liability, and deductibles for comprehensive & collision. You may find that higher liability coverage is not much more than basic coverage, and that you can save quite a bit with a $250-500 deductible.
 

Spacep0d

Member
Apr 20, 2019
993
1,144
Santa Clarita, CA
I'm in Los Angeles and awaiting delivery of a P3D- (Stealth). I'm 52 with a spotless driving record. Been driving since age 16. What kind of rates can I expect from Tesla or what would be some great carriers to compare against?

Los Angeles insurance for the M3 almost needs its own thread since we pay so much more here. ><
 

needp3d-

Member
Jan 30, 2020
184
41
los angeles
I'm in Los Angeles and awaiting delivery of a P3D- (Stealth). I'm 52 with a spotless driving record. Been driving since age 16. What kind of rates can I expect from Tesla or what would be some great carriers to compare against?

Los Angeles insurance for the M3 almost needs its own thread since we pay so much more here. ><
Mine is insured with Tesla. about 110 a month. How did you get a P3D- btw? do we offer it again?
 
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Spacep0d

Member
Apr 20, 2019
993
1,144
Santa Clarita, CA
Mine is insured with Tesla. about 110 a month. How did you get a P3D- btw? do we offer it again?

Hi there need! Oh man I just noticed your username, lol. Just so I'm speaking the right language here, the P3D- is the AWD Stealth Performance without the PUP, right? That's the one I'm talking about.

I guess there was one locally so the Tesla agent with whom I spoke asked me if I wanted it and I did! Same price as the P as you know, but I see some advantages in not having to change out the wheels, keeping the full potential range, paying a bit less for tires, and looking a bit lower profile or 'stealthy', if you will.

Thanks for that insurance pricing! Very reasonable I think.
 

ElectricIAC

Devil’s Advocate
Dec 31, 2019
2,220
549
DFW
Hi there need! Oh man I just noticed your username, lol. Just so I'm speaking the right language here, the P3D- is the AWD Stealth Performance without the PUP, right? That's the one I'm talking about.

I guess there was one locally so the Tesla agent with whom I spoke asked me if I wanted it and I did! Same price as the P as you know, but I see some advantages in not having to change out the wheels, keeping the full potential range, paying a bit less for tires, and looking a bit lower profile or 'stealthy', if you will.

Thanks for that insurance pricing! Very reasonable I think.
Looks like some stealth inventory popping up again (Tesla is famous for randomly losing inventory cars from what i've seen) or supply issues with the stock boat anchors again if a newer build.

Paying $150/mo for 500K/500 deductibles across the board. Started off as $130 but Geico likes to play the boil you alive slowly game with rates. Notably, our X is only $20/mo more than the P3D.
 
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PNWLeccy

Member
Jul 11, 2019
874
702
Seattle
Just as a counter point re: Geico, I had a 6mo. premium of $945 which was the cheapest i could find last year and just renewed for $650. I checked Progressive, USAA, and many others but couldn't find any others that could beat it.
 

ElectricIAC

Devil’s Advocate
Dec 31, 2019
2,220
549
DFW
Just as a counter point re: Geico, I had a 6mo. premium of $945 which was the cheapest i could find last year and just renewed for $650. I checked Progressive, USAA, and many others but couldn't find any others that could beat it.
Nice. Only cars they would lower or at least maintain our rates on were our BMW's!
 

SageBrush

REJECT Fascism
May 7, 2015
12,225
15,131
New Mexico
I have been insured with 21st Century for many years. But they have been raising my rates quite a bit lately. So I shopped around and went with Progressive and saved a lot of money. Unfortunately, it was hard for me to cancel with 21st Century. The only way to cancel with them is to send an email. But they never responded to my email. So I will have double coverage for a couple of months until my 21 Century coverage runs its course.
Call, followed by a certified letter
 
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Spacep0d

Member
Apr 20, 2019
993
1,144
Santa Clarita, CA
If this helps anyone in Los Angeles county, I just got insurance through Tesla. Default coverage (not the minimum), $128 a month, unmarried/single penalty*, 36 years driving, clean record.

*In Massachusetts and the European Union, vehicle insurance companies are no longer allowed to discriminate on the basis of marital status, so I doubt this unmarried penalty will last too much longer. It's surprising that it's lasted this long.
 
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needp3d-

Member
Jan 30, 2020
184
41
los angeles
Hi there need! Oh man I just noticed your username, lol. Just so I'm speaking the right language here, the P3D- is the AWD Stealth Performance without the PUP, right? That's the one I'm talking about.

I guess there was one locally so the Tesla agent with whom I spoke asked me if I wanted it and I did! Same price as the P as you know, but I see some advantages in not having to change out the wheels, keeping the full potential range, paying a bit less for tires, and looking a bit lower profile or 'stealthy', if you will.

Thanks for that insurance pricing! Very reasonable I think.
Oh I thought you got the P3D- with AWD long range price like they did back to 2019
 
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