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TESLA MODEL 3 Car Insurance

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The Tesla Model 3 is an electric sedan known for brisk performance, generous range, and advanced onboard technology paired with a minimalist design. A pioneer of mainstream electrification, it appeals to urban drivers focused on innovation and energy efficiency.

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

Between 2021 and 2026, premiums for the Tesla Model 3 show a marked evolution: after peaking at $3955 in 2021, they drop to $2232 in 2022, then gradually climb back to $2984 in 2025 before easing slightly to $2844 in 2026. This variation reflects insurers adjusting to an electric model that continues to evolve.

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

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

The average premium varies significantly by city: Montreal stands out clearly at $4825, followed by Saint-Jérôme ($3670) and Saguenay ($3136), while Lévis ($2201) and Saint-Jean-sur-Richelieu ($2213) show the lowest amounts. The gap between the extremes 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 $2974.44
DRUMMONDVILLE $2432.11
GATINEAU $2873.62
LAVAL $3185.71
LÉVIS $2182.58
LONGUEUIL $3071.28
MONTRÉAL $3659.92
QUÉBEC $2948.28
REPENTIGNY $2490.71
Saguenay $2359.13
SAINT-JEAN-SUR-RICHELIEU $2016.80
SAINT-JÉRÔME $3783.34
SHERBROOKE $2563.59
TERREBONNE $2768.33
TROIS-RIVIÈRES $2743.99

TESLA MODEL 3 average premium by model year

Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.

Model year Average premium
TESLA MODEL 3 2026 $2554.66
TESLA MODEL 3 2025 $3274.69
TESLA MODEL 3 2024 $2969.60
TESLA MODEL 3 2023 $2798.92
TESLA MODEL 3 2022 $2334.72
TESLA MODEL 3 2021 $2276.95
TESLA MODEL 3 2020 $2180.68
TESLA MODEL 3 2019 $2073.09
TESLA MODEL 3 2018 $2164.82
TESLA MODEL 3 2017 $5325.16

Frequently asked questions (FAQ)

How much does it cost to insure a Tesla Model 3?
The average premium for a Tesla Model 3 was $2844 in 2026, after peaking at $3955 in 2021 and dropping to $2232 in 2022.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Why has the Tesla Model 3 premium fluctuated so much since 2021?
The high $3955 premium in 2021 likely reflected unstable parts and repair costs for this electric vehicle. Since then, premiums have stabilized, ranging between $2232 and $2984 depending on the year.
Which city has the highest insurance cost for a Tesla Model 3?
Based on the data provided, Montreal shows the highest premium at $4825, well above other cities like Lévis ($2201) or Saint-Jean-sur-Richelieu ($2213).
Are electric vehicles like the Model 3 more expensive to insure?
Often yes, due to the high cost of specialized parts, batteries, and certified labor required for repairs, which affects the vehicle's average premium.
How can I lower my premium for a Tesla Model 3?
Comparing quotes from several insurers specialized in electric vehicles can reveal meaningful differences for the same driver profile and model.

Offers received by our customers on TESLA MODEL 3 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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