Tesla Model 3 Insurance in Kentucky (2026)
Quick Answer
Full coverage for a 2024 Tesla Model 3 in Kentucky costs $289/month ($3,468/year). Safety rating: 5/5. Theft risk: low.
✓ Updated March 2026✓ Based on state insurance filings
Tesla Model 3 Rates by Company in Kentucky
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $214/mo | $2,566/yr | Military families |
| Erie Insurance | $228/mo | $2,740/yr | Rate lock guarantee |
| GEICO | $237/mo | $2,844/yr | Clean driving record |
| Progressive | $254/mo | $3,052/yr | Telematics savings |
| State Farm | $263/mo | $3,156/yr | Good students |
| Travelers | $275/mo | $3,295/yr | Multiple discounts |
| Nationwide | $301/mo | $3,607/yr | Bundling home + auto |
| Farmers | $312/mo | $3,745/yr | Signal telematics |
| Allstate | $324/mo | $3,884/yr | Accident forgiveness |
| Liberty Mutual | $341/mo | $4,092/yr | New car replacement |
USAACheapest
Monthly
$214/mo
Annual
$2,566/yr
Best for: Military families
Erie Insurance
Monthly
$228/mo
Annual
$2,740/yr
Best for: Rate lock guarantee
GEICO
Monthly
$237/mo
Annual
$2,844/yr
Best for: Clean driving record
Progressive
Monthly
$254/mo
Annual
$3,052/yr
Best for: Telematics savings
State Farm
Monthly
$263/mo
Annual
$3,156/yr
Best for: Good students
Travelers
Monthly
$275/mo
Annual
$3,295/yr
Best for: Multiple discounts
Nationwide
Monthly
$301/mo
Annual
$3,607/yr
Best for: Bundling home + auto
Farmers
Monthly
$312/mo
Annual
$3,745/yr
Best for: Signal telematics
Allstate
Monthly
$324/mo
Annual
$3,884/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$341/mo
Annual
$4,092/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 Kentucky
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $798/mo | $9,581/yr |
| 19 years old | $483/mo | $5,793/yr |
| 21 years old | $385/mo | $4,615/yr |
| 25 years old | $253/mo | $3,035/yr |
| 30 years old | $209/mo | $2,508/yr |
| 40 years old | $197/mo | $2,358/yr |
| 50 years old | $190/mo | $2,282/yr |
| 65 years old | $207/mo | $2,483/yr |