TESLA MODEL 3 2023 Car Insurance

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The 2023 Tesla Model 3 is a high-performing electric sedan known for its range, advanced onboard technology, and brisk acceleration. It appeals to environmentally conscious drivers who value innovation, positioning itself within the premium electric vehicle segment.

TESLA MODEL 3 2023 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2022 and 2026, premiums for the 2023 Tesla Model 3 fluctuate but trend generally upward, moving from $2631 to $3310, with a peak of $3364 in 2025. This reflects the high cost of specialized parts and repairs for electric vehicles.

To find the best insurance for your TESLA MODEL 3 2023 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your TESLA MODEL 3 2023

How much does insurance for your TESLA MODEL 3 2023 cost in Quebec?

Premiums are highest in Montreal ($4164), Longueuil ($3788), and Repentigny ($3765), while Saint-Jérôme ($2145), Lévis ($2351), and Drummondville ($2543) show the lowest amounts. The gap between the most and least expensive cities exceeds $2000.

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	$3025.00
DRUMMONDVILLE	$2542.53
GATINEAU	$2823.50
LAVAL	$3713.22
LÉVIS	$2351.09
LONGUEUIL	$3787.63
MONTRÉAL	$4164.39
QUÉBEC	$3361.79
REPENTIGNY	$3764.95
Saguenay	$2803.72
SAINT-JEAN-SUR-RICHELIEU	$2899.53
SAINT-JÉRÔME	$2144.67
SHERBROOKE	$3112.57
TERREBONNE	$2809.55
TROIS-RIVIÈRES	$3189.70

Frequently asked questions (FAQ)

How much does insurance cost for a 2023 Tesla Model 3?

The average premium for a 2023 Tesla Model 3 varies by year, reaching $3310 in 2026 after peaking at $3364 in 2025, compared to $2631 in 2022.

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 has the Tesla Model 3 premium increased so much since 2022?

Between 2022 and 2025, the average premium rose from $2631 to $3364, largely due to the high cost of specialized parts and certified labor for electric vehicle repairs.

Which city offers the lowest insurance cost for a 2023 Tesla Model 3?

Based on the data provided, Saint-Jérôme ($2145) and Lévis ($2351) post the lowest average premiums for this model.

Why does Montreal show the highest premium for this vehicle?

At $4164 on average, Montreal stands out for its high traffic density and greater claim frequency, pushing premiums higher compared to cities like Saint-Jérôme.

Are electric vehicles like the Model 3 more costly to insure?

Often yes, since parts and repairs for electric components and batteries require specialized expertise, which directly affects premium calculations.

CHEVROLET
BOLT

HYUNDAI
IONIQ
6

POLESTAR
2

BMW
I4

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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