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TESLA Car Insurance

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Tesla is a pioneering all-electric automaker known for its autonomy technology, impressive performance, and Supercharger network. The brand appeals to drivers seeking innovation, quiet driving dynamics, and a reduced environmental footprint.

TESLA CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, Tesla premiums fluctuate rather than follow a straight trend: they drop from $3598 in 2021 to $2260 in 2022, then gradually climb back to $3042 in 2025 before easing slightly to $2964 in 2026. This variability reflects changing repair costs specific to electric vehicles.

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

How much does insurance for your TESLA cost in Quebec?

The highest Tesla premiums are found in Montreal ($4625) and Brossard ($4200), followed by Saint-Jérôme ($3458) and Saguenay ($3426), while Saint-Jean-sur-Richelieu ($2319), Repentigny ($2377), and Lévis ($2452) show the lowest amounts. The gap between the most and least expensive cities exceeds $2300.

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 $4199.78
DRUMMONDVILLE $2527.74
GATINEAU $3101.58
LAVAL $3301.12
LÉVIS $2452.34
LONGUEUIL $2896.61
MONTRÉAL $4625.32
QUÉBEC $2849.60
REPENTIGNY $2377.18
Saguenay $3425.83
SAINT-JEAN-SUR-RICHELIEU $2319.43
SAINT-JÉRÔME $3457.90
SHERBROOKE $2679.68
TERREBONNE $2964.65
TROIS-RIVIÈRES $3118.72

Frequently asked questions (FAQ)

How much does auto insurance cost for a Tesla?
The average premium for a Tesla vehicle varies by year, ranging from $2260 in 2022 to $3598 in 2021, with $2964 recorded in 2026.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Why did Tesla premiums fluctuate so much between 2021 and 2026?
After peaking at $3598 in 2021, the premium dropped to $2260 in 2022, then gradually climbed back to $2964 by 2026, reflecting changing parts and repair costs specific to electric vehicles.
Which cities offer the lowest Tesla insurance premiums?
Based on the data, Saint-Jean-sur-Richelieu ($2319), Repentigny ($2377), and Lévis ($2452) post the lowest average premiums for Tesla vehicles.
Why does Montreal show the highest Tesla premium?
With an average premium of $4625, Montreal stands out due to heavy traffic density and higher theft or claim risk, explaining the gap compared to other cities.
Does the cost of electric parts affect Tesla premiums?
Yes. Tesla's batteries and specialized electronic components are expensive to replace, which contributes to generally higher premiums than comparable gasoline vehicles.
How can I lower my Tesla insurance premium?
Comparing quotes from several insurers, choosing a higher deductible, and bundling policies can help reduce the amount paid, particularly in cities where premiums run higher.

Offers received by our customers on TESLA cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 07/13/2026