Tesla Model 3 Insurance in Rhode Island (2026)
Quick Answer
Full coverage for a 2024 Tesla Model 3 in Rhode Island costs $268/month ($3,211/year). Safety rating: 5/5. Theft risk: low.
✓ Updated March 2026✓ Based on state insurance filings
Tesla Model 3 Rates by Company in Rhode Island
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $198/mo | $2,376/yr | Military families |
| Erie Insurance | $211/mo | $2,537/yr | Rate lock guarantee |
| GEICO | $219/mo | $2,633/yr | Clean driving record |
| Progressive | $235/mo | $2,826/yr | Telematics savings |
| State Farm | $244/mo | $2,922/yr | Good students |
| Travelers | $254/mo | $3,050/yr | Multiple discounts |
| Nationwide | $278/mo | $3,339/yr | Bundling home + auto |
| Farmers | $289/mo | $3,468/yr | Signal telematics |
| Allstate | $300/mo | $3,596/yr | Accident forgiveness |
| Liberty Mutual | $316/mo | $3,789/yr | New car replacement |
USAACheapest
Monthly
$198/mo
Annual
$2,376/yr
Best for: Military families
Erie Insurance
Monthly
$211/mo
Annual
$2,537/yr
Best for: Rate lock guarantee
GEICO
Monthly
$219/mo
Annual
$2,633/yr
Best for: Clean driving record
Progressive
Monthly
$235/mo
Annual
$2,826/yr
Best for: Telematics savings
State Farm
Monthly
$244/mo
Annual
$2,922/yr
Best for: Good students
Travelers
Monthly
$254/mo
Annual
$3,050/yr
Best for: Multiple discounts
Nationwide
Monthly
$278/mo
Annual
$3,339/yr
Best for: Bundling home + auto
Farmers
Monthly
$289/mo
Annual
$3,468/yr
Best for: Signal telematics
Allstate
Monthly
$300/mo
Annual
$3,596/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$316/mo
Annual
$3,789/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 Rhode Island
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $739/mo | $8,870/yr |
| 19 years old | $447/mo | $5,364/yr |
| 21 years old | $356/mo | $4,272/yr |
| 25 years old | $234/mo | $2,810/yr |
| 30 years old | $194/mo | $2,322/yr |
| 40 years old | $182/mo | $2,183/yr |
| 50 years old | $176/mo | $2,113/yr |
| 65 years old | $192/mo | $2,299/yr |