TESLA MODEL 3 2023 Car Insurance

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The 2023 Tesla Model 3 is a high-performing electric sedan offering strong range and cutting-edge technology. Popular among efficiency-minded drivers, it combines brisk acceleration, quiet driving dynamics, and continuous software updates.

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

Between 2022 and 2026, the average premium for the 2023 Tesla Model 3 rises from $2631 to $3222, despite a slight dip in 2023 ($2590) and a pullback between 2025 ($3364) and 2026 ($3222). Overall, the trend remains upward over the available period.

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 ($4199), Longueuil ($3731), Repentigny ($3471), and Laval ($3442), while Saint-Jérôme ($2316), Lévis ($2497), and Drummondville ($2543) show the lowest amounts. The gap between the most expensive and most affordable cities exceeds $1800.

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	$2964.68
DRUMMONDVILLE	$2531.76
GATINEAU	$2908.68
LAVAL	$3455.05
LÉVIS	$2359.43
LONGUEUIL	$3897.25
MONTRÉAL	$4015.38
QUÉBEC	$3083.47
REPENTIGNY	$3037.48
Saguenay	$2803.72
SAINT-JEAN-SUR-RICHELIEU	$2394.04
SAINT-JÉRÔME	$2663.75
SHERBROOKE	$3198.34
TERREBONNE	$2727.44
TROIS-RIVIÈRES	$3413.49

Frequently asked questions (FAQ)

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

As of 2026, the average premium for a 2023 Tesla Model 3 is $3222, after peaking at $3364 in 2025. This amount varies significantly depending on the city and driver profile.

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.

Has the premium for the 2023 Model 3 risen a lot since 2022?

Yes. It rose from $2631 in 2022 to $3222 in 2026, peaking at $3364 in 2025, showing an overall increase despite a recent slight pullback.

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

Based on the data provided, Saint-Jérôme ($2316), Lévis ($2497), and Drummondville ($2543) post the lowest average premiums for this vehicle.

Why does Montreal show the highest premium for this model?

With an average of $4199, Montreal reflects heavier traffic density, higher theft and vandalism risk, and the significant repair costs associated with Tesla parts.

Why do electric vehicles like the Model 3 often cost more to insure?

Repair costs for electrical components and batteries, along with limited specialized repair shops, contribute to higher premiums compared to a similar gas-powered vehicle.

HYUNDAI
IONIQ
6

POLESTAR
2

BMW
I4

CHEVROLET
BOLT
EV

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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TESLA MODEL 3 2023 by city

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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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