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TESLA MODEL 3 2022 Car Insurance

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The 2022 Tesla Model 3 is a high-performing electric sedan known for its strong range, advanced onboard technology, and brisk acceleration. It appeals to urban drivers focused on energy efficiency and innovation, within a fast-growing premium segment.

TESLA MODEL 3 2022 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the 2022 Tesla Model 3 fluctuate rather than follow a straight trend, dropping from $2087 in 2021 to $1984 in 2023 before climbing to $2839 in 2026. This variability reflects EV-specific repair costs and shifting insurance market conditions.

To find the best insurance for your TESLA MODEL 3 2022 vehicle, it is more important than ever to compare the available options.

How much does insurance for your TESLA MODEL 3 2022 cost in Quebec?

Premiums are highest in Montreal ($4407), Saint-Jérôme ($4001), and Trois-Rivières ($3444), while Sherbrooke ($1413), Repentigny ($1462), and Saint-Jean-sur-Richelieu ($1681) show the lowest amounts. The gap between the most expensive and most affordable cities exceeds $2500.

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 $3369.65
DRUMMONDVILLE $1972.61
GATINEAU $2584.26
LAVAL $3245.90
LÉVIS $2443.87
LONGUEUIL $3005.38
MONTRÉAL $3586.29
QUÉBEC $2839.62
REPENTIGNY $1671.22
Saguenay $2329.48
SAINT-JEAN-SUR-RICHELIEU $1810.31
SAINT-JÉRÔME $4001.44
SHERBROOKE $1648.01
TERREBONNE $3102.94
TROIS-RIVIÈRES $3432.34

Frequently asked questions (FAQ)

How much does auto insurance cost for a 2022 Tesla Model 3?
Based on the available data, the average premium for a 2022 Tesla Model 3 varies considerably by year, ranging from $1984 in 2023 to $2839 in 2026.
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.
Are premiums for the 2022 Model 3 rising over time?
The trend is not linear: after dipping to $1984 in 2023, the premium climbs back to $2839 in 2026, suggesting volatility tied to EV repair costs rather than a steady increase.
Which city offers the lowest insurance cost for a 2022 Model 3?
Based on the provided data, Sherbrooke ($1413) and Repentigny ($1462) show the lowest average premiums among the listed cities.
Why is Montreal's premium so high for this vehicle?
At $4407, Montreal stands out sharply from other cities, likely due to urban density, higher theft risk, and the cost of repairing electric-vehicle-specific parts in the region.
Why can an electric car like the Model 3 sometimes cost more to insure?
Specialized parts costs, limited availability of qualified technicians, and the battery's high value can push electric-vehicle premiums above those of comparable gas-powered models.
How can I reduce my premium for a Tesla Model 3?
Comparing quotes from several insurers, especially across cities with large gaps like Montreal ($4407) versus Sherbrooke ($1413), can often reveal substantial savings.

Offers received by our customers on TESLA MODEL 3 2022 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: 08/14/2026

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