Welcome to Tesla Motors Club
Discuss Tesla's Model S, Model 3, Model X, Model Y, Cybertruck, Roadster and More.
Register

Insurance premiums in Chicago area

backeis

Member
Aug 10, 2021
28
6
Evanston, IL
Hi, wondering if I can get some points of comparison from you all for insurance quotes.
For my MYLR, I got quoted $107 per month from State Farm here in the Chicago area.
Is that high? Low? My wife's 2010 Volvo XC60 is insured for $35/month with Geico...
Thanks!
 

backeis

Member
Aug 10, 2021
28
6
Evanston, IL
Thanks for that reference point! Haggled State Farm down to $83.96/month. Think I'll go with them to benefit from bundling with other policies I have with them already. Unless Tesla insurance is significantly cheaper - guess I'll find out once I get my VIN?
 

Schulz1983

Model Y LR AWD: Matte PPF, Vossen HF-1
May 14, 2021
599
413
High Ridge MO
Thanks for that reference point! Haggled State Farm down to $83.96/month. Think I'll go with them to benefit from bundling with other policies I have with them already. Unless Tesla insurance is significantly cheaper - guess I'll find out once I get my VIN?
Tesla insurance is currently only offered in California. We are not worthy lol
 
  • Funny
Reactions: backeis

andaconda

Member
Apr 3, 2021
221
125
S.W. Montana
Hi, wondering if I can get some points of comparison from you all for insurance quotes.
For my MYLR, I got quoted $107 per month from State Farm here in the Chicago area.
Is that high? Low? My wife's 2010 Volvo XC60 is insured for $35/month with Geico...
Thanks!
95.15/
$83/month for 2021 MYLR in west suburbs with State Farm. Previously 2019 M3SR $67/month
Mine went up one dollar per month. I am now paying $95.15 per month. With State Farm multi car discount included. Southwest want him.
 

a2t2

Member
Jul 8, 2021
288
161
Atlanta
Jeez. Mine is $183.mo !! prorgressive.

I have 100/300 full coverage 500 ded. i do have 3 cars on my plan. What are your coverage limits ??

Im in Atlanta, what the heck is going on ?
 

backeis

Member
Aug 10, 2021
28
6
Evanston, IL
Jeez. Mine is $183.mo !! prorgressive.

I have 100/300 full coverage 500 ded. i do have 3 cars on my plan. What are your coverage limits ??

Im in Atlanta, what the heck is going on ?
100/300/100, but I upped from $500 to $1000 deductible to get a better rate (= $83.96)
 

73Bruin

Member
Nov 7, 2020
232
132
Torrance, CA
I pay $121 a month with Amica for our 2021 LR MY. I have $500K single limit liability coverage and $500 ded on my comp and collision plus a special glass coverage. Our 2005 Prius has the same coverage (mius the special glass coverage) and is $70 a month. I am a low mileage driver and both my wife and I have clean driving records. We have our homeowners and a $4mm umbrella policy with Amica as well. Amica beat State Farm, Farmers and the Auto Club on a bundled quote.

In the years prior to getting the Tesla when we had a Honda Civic, I had gotten quotes from Allstate, Geico and Progressive, Amica tended to be cheaper.
 
Last edited:

WADan

Member
Sep 28, 2020
314
264
Bellevue WA
I just changed from Liberty Mutual ($1830/year) to Safeco ($740/year) since Liberty jacked up the premium for my MYLR. Last year Liberty had a much more reasonable premium, not sure why they increase it so much this year.
I also have home and umbrella policies with Safeco now.
 

a2t2

Member
Jul 8, 2021
288
161
Atlanta
do you guys have a youth driver in the house ? Ive got a 17y son and that causes higher insurance. also i wonder if Georgia has higher rates than Chicago.

Im being told 12 different agencies were quoted and Progressve at $183 is best. Seems excessive ,,,,
 

Schulz1983

Model Y LR AWD: Matte PPF, Vossen HF-1
May 14, 2021
599
413
High Ridge MO
We pay $1400/year in Missouri thru safeco. We are hurt by only having one auto on our policy. We carry rental insurance and towing with a rider for $0 glass deductible. We would be $600 a year cheaper if we had multi car. All well. Not worth $600 a year to own another vehicle we don’t need.
 

a2t2

Member
Jul 8, 2021
288
161
Atlanta
i checked and GA has higher rates than IL so its not a direct comparison. I got quote of $144 from state farm. After checking all the discounts for home/3 autos/golf cart, it just works out to be cheaper still overall for me to pay $183/mo via progressive since we are discounted heavily on all else. Idk, dont feel like diving into it more, just kinda sucks the Tiguan and Jeep Grand Cherokee I also own are both $90/mo and MPY is 2x that.
 

backeis

Member
Aug 10, 2021
28
6
Evanston, IL
I would be a young driver increases rates. I do have a second driver on the policy, but we're both in our late 30's, accident free history.
Also I should've mentioned that the $83/mo is after "safe driving discount", i.e. you get their app and it monitors your driving style. Without that it's $95/mo I think.
 

tdeno

Member
May 14, 2021
134
47
Northwest Indiana
Not in Chicago, but North West Indiana (kind of close-ish)
State Fram: $67.44 month


The details from the policy

Bodily Injury Coverage
Limit Per Person $100,000
Limit Per Accident $300,000

$57.88 / 6 mos

Property Damage Coverage
Limit Per Accident $100,000

$45.49 / 6 mos

Medical Payments Coverage
Limit $5,000

$14.98 / 6 mos

Comprehensive Coverage
$88.48 / 6 mos

Collision Coverage
Deductible $500

$176.71 / 6 mos

Uninsured Motor Vehicle Category
Uninsured Motor Vehicle - Property Damage (under Uninsured Motor Vehicle BIPD)NoPremium Coverage
Limit Per Accident $25,000
Uninsured Motor Vehicle - Bodily Injury (under Uninsured Motor Vehicle BIPD) Coverage
Limit Per Person $100,000
Limit Per Accident $300,000

$12.59 / 6 mos

Underinsured Motor Vehicle Coverage
Limit Per Person $100,000
Limit Per Accident $300,000

$7.68 / 6 mos

Emergency Road Service Coverage
$0.88 / 6 mos
 

andaconda

Member
Apr 3, 2021
221
125
S.W. Montana
Not in Chicago, but North West Indiana (kind of close-ish)
State Fram: $67.44 month


The details from the policy

Bodily Injury Coverage
Limit Per Person $100,000
Limit Per Accident $300,000

$57.88 / 6 mos

Property Damage Coverage
Limit Per Accident $100,000

$45.49 / 6 mos

Medical Payments Coverage
Limit $5,000

$14.98 / 6 mos

Comprehensive Coverage
$88.48 / 6 mos

Collision Coverage
Deductible $500

$176.71 / 6 mos

Uninsured Motor Vehicle Category
Uninsured Motor Vehicle - Property Damage (under Uninsured Motor Vehicle BIPD)NoPremium Coverage
Limit Per Accident $25,000
Uninsured Motor Vehicle - Bodily Injury (under Uninsured Motor Vehicle BIPD) Coverage
Limit Per Person $100,000
Limit Per Accident $300,000

$12.59 / 6 mos

Underinsured Motor Vehicle Coverage
Limit Per Person $100,000
Limit Per Accident $300,000

$7.68 / 6 mos

Emergency Road Service Coverage
$0.88 / 6 mos
I'm similar with State Farm -- $570.15 / 6 months. Boy am I getting ripped off. S.W. Montana - perfect record, no accidents or violations, 68 years old, multi-car discounts. I feel violated. I will not stoop to having my driving habits monitored, no matter how much I might save !!!!!!
 

tdeno

Member
May 14, 2021
134
47
Northwest Indiana
I'm similar with State Farm -- $570.15 / 6 months. Boy am I getting ripped off. S.W. Montana - perfect record, no accidents or violations, 68 years old, multi-car discounts. I feel violated. I will not stoop to having my driving habits monitored, no matter how much I might save !!!!!!
$47.5 a month ($570.15 / 6 months) seems much better than what I have -- :)

--Edit
Whops -- that should read $95, not $45 - math is hard.
 
Last edited:

Products we're discussing on TMC...

About Us

Formed in 2006, Tesla Motors Club (TMC) was the first independent online Tesla community. Today it remains the largest and most dynamic community of Tesla enthusiasts. Learn more.

Do you value your experience at TMC? Consider becoming a Supporting Member of Tesla Motors Club. As a thank you for your contribution, you'll get nearly no ads in the Community and Groups sections. Additional perks are available depending on the level of contribution. Please visit the Account Upgrades page for more details.


SUPPORT TMC
Top