Tesla Model 3 Insurance in Colorado (2026)
Quick Answer
Full coverage for a 2024 Tesla Model 3 in Colorado costs $250/month ($3,004/year). Safety rating: 5/5. Theft risk: low.
✓ Updated March 2026✓ Based on state insurance filings
Tesla Model 3 Rates by Company in Colorado
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $185/mo | $2,223/yr | Military families |
| Erie Insurance | $198/mo | $2,373/yr | Rate lock guarantee |
| GEICO | $205/mo | $2,463/yr | Clean driving record |
| Progressive | $220/mo | $2,644/yr | Telematics savings |
| State Farm | $228/mo | $2,734/yr | Good students |
| Travelers | $238/mo | $2,854/yr | Multiple discounts |
| Nationwide | $260/mo | $3,124/yr | Bundling home + auto |
| Farmers | $270/mo | $3,244/yr | Signal telematics |
| Allstate | $280/mo | $3,364/yr | Accident forgiveness |
| Liberty Mutual | $295/mo | $3,545/yr | New car replacement |
USAACheapest
Monthly
$185/mo
Annual
$2,223/yr
Best for: Military families
Erie Insurance
Monthly
$198/mo
Annual
$2,373/yr
Best for: Rate lock guarantee
GEICO
Monthly
$205/mo
Annual
$2,463/yr
Best for: Clean driving record
Progressive
Monthly
$220/mo
Annual
$2,644/yr
Best for: Telematics savings
State Farm
Monthly
$228/mo
Annual
$2,734/yr
Best for: Good students
Travelers
Monthly
$238/mo
Annual
$2,854/yr
Best for: Multiple discounts
Nationwide
Monthly
$260/mo
Annual
$3,124/yr
Best for: Bundling home + auto
Farmers
Monthly
$270/mo
Annual
$3,244/yr
Best for: Signal telematics
Allstate
Monthly
$280/mo
Annual
$3,364/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$295/mo
Annual
$3,545/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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Tesla Model 3 Insurance by Age in Colorado
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $691/mo | $8,297/yr |
| 19 years old | $418/mo | $5,017/yr |
| 21 years old | $333/mo | $3,996/yr |
| 25 years old | $219/mo | $2,628/yr |
| 30 years old | $181/mo | $2,172/yr |
| 40 years old | $170/mo | $2,042/yr |
| 50 years old | $165/mo | $1,977/yr |
| 65 years old | $179/mo | $2,150/yr |