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TESLA MODEL S Car Insurance

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The Tesla Model S is a premium electric sedan known for blistering acceleration, extended range, and advanced onboard technology. A pioneer of luxury electrification, it appeals to drivers seeking performance, innovation, and a smaller carbon footprint.

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

From 2021 to 2026, premiums for the Tesla Model S rise sharply, moving from $1674 to $2908. This progression reflects the high cost of specialized parts, the complexity of repairs tied to the electric powertrain, and the vehicle's high replacement value.

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

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

Premiums are highest in Gatineau ($6451) and Montreal ($3407), while Sherbrooke ($1306) and Quebec City ($2271) show the lowest amounts. Other cities, like Terrebonne ($2995) and Brossard ($4152), fall in a mid-to-high range.

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 $4152.03
GATINEAU $6450.62
LAVAL $2677.87
LÉVIS $2749.85
MONTRÉAL $3407.14
QUÉBEC $2271.25
REPENTIGNY $2414.95
SHERBROOKE $1306.45
TERREBONNE $2994.56

Frequently asked questions (FAQ)

How much does auto insurance cost for a Tesla Model S?
In 2026, the average premium for a Tesla Model S reaches $2908, up from $1674 in 2021, reflecting a marked increase over the available period.
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 is the Tesla Model S premium rising so much?
High costs for specialized parts, limited certified repair shops for electric components, and the vehicle's high replacement value explain the increase, which pushed the premium from $1674 to $2908 between 2021 and 2026.
Which city has the highest insurance cost for a Tesla Model S?
Based on the data provided, Gatineau shows the highest premium ($6451), followed by Montreal ($3407), while Sherbrooke ($1306) remains the most affordable.
Do high repair costs for an electric vehicle affect the premium?
Yes. The Model S's battery and electronic components are costly to repair or replace, which directly contributes to premiums higher than comparable gasoline vehicles.
How can I lower my Tesla Model S insurance premium?
Comparing quotes from several insurers, choosing a higher deductible, and checking for discounts tied to advanced safety systems can help reduce the overall premium cost.

Offers received by our customers on TESLA MODEL S 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: 07/08/2026