TESLA Car Insurance

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Tesla is a pioneering all-electric automaker known for performance, range, and advanced driving technology. The brand attracts tech-savvy drivers seeking innovation, low emissions, and a distinctly modern driving experience.

TESLA CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, average premiums for Tesla vehicles fluctuate rather than follow a linear trend. They drop from $3434 in 2021 to $2260 in 2022, then rise gradually to $3042 in 2025 before easing slightly to $2894 in 2026, reflecting shifting repair costs and replacement values for electric vehicles.

To find the best insurance for your TESLA vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your TESLA

How much does insurance for your TESLA cost in Quebec?

Premiums are highest in Montreal ($4561), Brossard ($4058), and Saguenay ($3602), while Saint-Jean-sur-Richelieu ($2279), Lévis ($2386), and Repentigny ($2433) show the lowest amounts. The spread between cities is notable, often tied to urban density and claim frequency.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
BROSSARD	$3070.66
DRUMMONDVILLE	$2533.67
GATINEAU	$2920.83
LAVAL	$3267.81
LÉVIS	$2341.07
LONGUEUIL	$2900.17
MONTRÉAL	$3777.97
QUÉBEC	$2872.73
REPENTIGNY	$2525.43
Saguenay	$3269.57
SAINT-JEAN-SUR-RICHELIEU	$2196.06
SAINT-JÉRÔME	$3494.84
SHERBROOKE	$2798.69
TERREBONNE	$2993.39
TROIS-RIVIÈRES	$2869.76

Frequently asked questions (FAQ)

How much does auto insurance cost for a Tesla?

In 2026, the average premium for a Tesla vehicle stands at $2894, based on the available brand data.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.

Have Tesla premiums changed a lot since 2021?

Yes. The average premium dropped from $3434 in 2021 to $2260 in 2022, then rose to $3042 in 2025 before easing to $2894 in 2026, showing fluctuation rather than a steady trend.

Which cities offer the lowest Tesla insurance premiums?

Based on the data provided, Saint-Jean-sur-Richelieu ($2279), Lévis ($2386), and Repentigny ($2433) post the lowest average premiums.

Why do Tesla premiums vary so much between cities?

The gap between Montreal ($4561) and Saint-Jean-sur-Richelieu ($2279) is largely due to urban density, theft risk, and claim frequency, which differ significantly across regions.

What factors influence the cost of insuring a Tesla?

High parts costs, specialized repairs for batteries and electronic components, and the vehicle's replacement value are key contributing factors.

How can I lower my Tesla insurance premium?

Comparing quotes from several insurers, installing a recognized anti-theft system, and bundling auto and home insurance are among the most effective ways to reduce the premium.