TESLA MODEL 3 Car Insurance

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The Tesla Model 3 is a high-performance electric sedan known for its range, brisk acceleration, and advanced onboard technology. A pioneer of mainstream electric mobility, it attracts drivers focused on innovation and energy efficiency.

TESLA MODEL 3 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, Tesla Model 3 premiums fluctuate significantly: after peaking at $4071 in 2021, they drop to $2232 in 2022, then gradually climb back to $2984 in 2025 before easing slightly to $2938 in 2026. This evolution reflects the market's adjustment to electric-vehicle repair costs.

To find the best insurance for your TESLA MODEL 3 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your TESLA MODEL 3

How much does insurance for your TESLA MODEL 3 cost in Quebec?

Premiums are highest for the Model 3 in Montreal ($4941) and Saint-Jérôme ($3703), while Saint-Jean-sur-Richelieu ($2267) and Repentigny ($2300) show the lowest amounts. The gap between these cities exceeds $2600.

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	$3058.55
DRUMMONDVILLE	$2327.62
GATINEAU	$3028.57
LAVAL	$3253.31
LÉVIS	$2307.20
LONGUEUIL	$3024.54
MONTRÉAL	$4941.28
QUÉBEC	$2874.69
REPENTIGNY	$2300.25
Saguenay	$2521.44
SAINT-JEAN-SUR-RICHELIEU	$2266.76
SAINT-JÉRÔME	$3703.14
SHERBROOKE	$2453.72
TERREBONNE	$2730.98
TROIS-RIVIÈRES	$3143.15

Frequently asked questions (FAQ)

How much does insurance cost for a Tesla Model 3?

The average premium for a Tesla Model 3 has ranged between $2232 and $4071 depending on the year, settling at $2938 in 2026 after a peak in 2021.

Why have Model 3 premiums fluctuated so much?

After peaking at $4071 in 2021, the premium dropped to $2232 in 2022, then gradually climbed to $2984 in 2025, reflecting evolving repair and parts costs for electric vehicles.

Which city has the highest insurance costs for the Tesla Model 3?

Montreal shows the highest premium at $4941, followed by Saint-Jérôme at $3703 — both well above the average of the other cities provided.

Where is the Model 3 cheapest to insure?

Based on the data, Saint-Jean-sur-Richelieu ($2267) and Repentigny ($2300) post the lowest average premiums for this vehicle.

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, including electric vehicles.

Why does a Tesla cost more to insure than a comparable gas-powered car?

High parts costs, the need for specialized technicians, and higher replacement values for electric vehicles contribute to premiums above those of equivalent conventional vehicles.

CHEVROLET
BOLT
EV

HYUNDAI
IONIQ
5

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EV6

POLESTAR
2

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

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Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

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