2022 Tesla Model 3 Insurance Cost
The 2022 Tesla Model 3 averages $2,320/yr in annual insurance premiums. At 4 years old, this electric sedan costs $260 less than the model's overall average of $2,580/yr.
Quote My 2022 Model 3$2,320/yr
Avg. Annual Insurance
5/5 NHTSA
Safety Rating
Low
Theft Risk
Electric Sedan
Body Type
4 years old
Vehicle Age
Insurance Tips for Your 2022 Tesla Model 3
At 4 years old, the 2022 Model 3 has depreciated enough that you might consider dropping comprehensive coverage if the car's value is low — but check your loan requirements first.
The Model 3's low theft risk helps keep comprehensive coverage affordable.
With a 5/5 NHTSA safety rating, ask your insurer about safety feature discounts — many carriers offer 5-10% off for vehicles with advanced driver assistance systems.
Bundle your auto and home (or renters) insurance to save 10-25% on both policies.
Compare quotes from at least 3-5 carriers. Rates for the same vehicle can vary by $500+ between companies.
Frequently Asked Questions
A 2022 Tesla Model 3 costs an average of $2,320/yr to insure. This is $260 less than the model's overall average of $2,580/yr because older vehicles have lower replacement values.
The Tesla Model 3 carries a 5/5 NHTSA safety rating. Recent model years include advanced safety features like automatic emergency braking, lane departure warning, and adaptive cruise control, which can help lower your premium.
It depends on your car's current value. A 4 years old Model 3 has depreciated but may still be worth protecting with full coverage, especially if you have a loan.
Older vehicles are cheaper to insure because they've depreciated significantly. The lower replacement value means insurers pay out less on total loss claims.
Compare quotes from multiple carriers (Truvo compares 40+ for free), raise your deductible to $1,000, maintain a clean driving record, bundle policies, and take advantage of discounts for safety features, low mileage, or good student status.
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