Tesla Model 3 Insurance in California (2026)
Quick Answer
Full coverage for a 2024 Tesla Model 3 in California costs $278/month ($3,341/year). Safety rating: 5/5. Theft risk: low.
✓ Updated March 2026✓ Based on state insurance filings
Tesla Model 3 Rates by Company in California
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $206/mo | $2,472/yr | Military families |
| Erie Insurance | $220/mo | $2,639/yr | Rate lock guarantee |
| GEICO | $228/mo | $2,740/yr | Clean driving record |
| Progressive | $245/mo | $2,940/yr | Telematics savings |
| State Farm | $253/mo | $3,040/yr | Good students |
| Travelers | $264/mo | $3,174/yr | Multiple discounts |
| Nationwide | $290/mo | $3,475/yr | Bundling home + auto |
| Farmers | $301/mo | $3,608/yr | Signal telematics |
| Allstate | $312/mo | $3,742/yr | Accident forgiveness |
| Liberty Mutual | $329/mo | $3,942/yr | New car replacement |
USAACheapest
Monthly
$206/mo
Annual
$2,472/yr
Best for: Military families
Erie Insurance
Monthly
$220/mo
Annual
$2,639/yr
Best for: Rate lock guarantee
GEICO
Monthly
$228/mo
Annual
$2,740/yr
Best for: Clean driving record
Progressive
Monthly
$245/mo
Annual
$2,940/yr
Best for: Telematics savings
State Farm
Monthly
$253/mo
Annual
$3,040/yr
Best for: Good students
Travelers
Monthly
$264/mo
Annual
$3,174/yr
Best for: Multiple discounts
Nationwide
Monthly
$290/mo
Annual
$3,475/yr
Best for: Bundling home + auto
Farmers
Monthly
$301/mo
Annual
$3,608/yr
Best for: Signal telematics
Allstate
Monthly
$312/mo
Annual
$3,742/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$329/mo
Annual
$3,942/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
✓ No spam calls · ✓ No personal info sold · ✓ Takes 2 minutes
Tesla Model 3 Insurance by Age in California
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $769/mo | $9,229/yr |
| 19 years old | $465/mo | $5,581/yr |
| 21 years old | $370/mo | $4,445/yr |
| 25 years old | $244/mo | $2,923/yr |
| 30 years old | $201/mo | $2,416/yr |
| 40 years old | $189/mo | $2,271/yr |
| 50 years old | $183/mo | $2,199/yr |
| 65 years old | $199/mo | $2,392/yr |