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TESLA MODEL 3 2025 Car Insurance

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The 2025 Tesla Model 3 is a high-performance electric sedan built around range, onboard technology, and quiet driving. It appeals to urban drivers focused on energy efficiency and innovation, in an increasingly competitive electric segment.

TESLA MODEL 3 2025 CAR INSURANCE RATES SINCE 2024.

Between 2024 and 2026, premiums for the 2025 Tesla Model 3 fluctuate, rising from $3219 in 2024 to a peak of $3567 in 2025, then easing to $3266 in 2026. This variation reflects the high cost of electric vehicle parts and shifting insurance market conditions for EVs.

To find the best insurance for your TESLA MODEL 3 2025 vehicle, it is more important than ever to compare the available options.

How much does insurance for your TESLA MODEL 3 2025 cost in Quebec?

Premiums vary widely by city for the 2025 Tesla Model 3: Gatineau ($5414) and Laval ($5062) post the highest amounts, while Repentigny ($1987) and Lévis ($2328) rank among the most affordable. This significant spread highlights how strongly location influences insurance costs for an electric vehicle.

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 $3847.99
GATINEAU $5413.50
LAVAL $4863.03
LÉVIS $2327.96
MONTRÉAL $3573.82
QUÉBEC $2413.48
REPENTIGNY $1986.90
Saguenay $3277.92
SAINT-JEAN-SUR-RICHELIEU $2488.47
SHERBROOKE $4007.59
TERREBONNE $3453.38
TROIS-RIVIÈRES $2700.44

Frequently asked questions (FAQ)

How much does insurance cost for a 2025 Tesla Model 3?
The average premium for a 2025 Tesla Model 3 ranges from $3219 to $3567 depending on the year, with an estimated $3266 in 2026 based on available data.
Do Model 3 premiums increase every year?
Not consistently. The premium rose from $3219 in 2024 to $3567 in 2025, then eased to $3266 in 2026, reflecting market adjustments rather than a steady increase.
Which cities have the highest insurance costs for the Tesla Model 3?
Based on the data provided, Gatineau ($5414) and Laval ($5062) show the highest average premiums for this model.
Where is Model 3 insurance the most affordable?
Repentigny ($1987) and Lévis ($2328) show the lowest average premiums among the provided cities.
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.
Why does the Tesla Model 3 cost more to insure than a standard sedan?
The high cost of electric parts, batteries, and specialized repair labor drives up insurance premiums for electric vehicles like the Model 3.
How can I lower my Tesla Model 3 insurance premium?
Comparing quotes from several insurers and checking EV-specific coverage options remains the best way to find a more favorable premium for your profile.

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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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