Tesla Car Insurance
Every Tesla sits at or near the top of the insurance group table — Model 3s and Ys are group 48–50 almost across the board. It's not the speed alone: aluminium construction, camera-dense panels, and a repair network that runs at Tesla's pace make claims expensive, and premiums follow claims.
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- Q2 2026 premium data
- Insurance group free by reg
Premium data: Quotezone Car Insurance Price Index, Q2 2026 · updated July 2026 · quotes via Quotezone (FCA FRN 313860)
Key facts — Tesla insurance (Q2 2026)
- Across 1,984 real Tesla vehicles checked on Motorscan (8 May 2026 – 4 Sep 2026), ABI insurance groups ranged from 32 to 50 (of 50), with a median of 48.
- The UK average premium across all cars is £619 a year (fully comprehensive median, Q2 2026).
- Any specific Tesla's exact insurance group is shown free when you check its reg with Motorscan.
Insurance groups for popular Tesla models
ABI insurance groups run 1 (cheapest) to 50. The observed ranges below come from 1,984 real Tesla vehicles checked on Motorscan between 8 May 2026 and 4 Sep 2026 — the exact group for any specific car depends on its engine, trim and year, and is shown free when you check its reg.
| Model | Insurance group | Notes |
|---|---|---|
| Tesla Model 3 |
32–50 median 48 · 865 checked |
Even the base RWD car tops the table; Performance versions max it. |
| Tesla Model Y |
34–50 median 48 · 933 checked |
The family crossover ranges high-40s in most trims. |
| Tesla Model S |
50 median 50 · 123 checked |
Group 50, always — flagship performance, flagship repairs. |
| Tesla Model X |
50 median 50 · 62 checked |
Falcon doors and all — the most complex car in the fleet to fix. |
Observed groups are the ABI insurance groups recorded against real Tesla vehicles checked on Motorscan (8 May 2026 – 4 Sep 2026); models with too few checks show the typical range instead. Trim and year decide the exact group — check any reg free above.
Check any Tesla's exact insurance group — free
Enter the reg for the insurance group, tax & MOT status, MOT history and mileage record. The full check adds write-off, stolen and finance.
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Tesla Car Insurance — frequently asked questions
Why is Tesla insurance so expensive?
Claims cost: aluminium/giga-cast structures restrict repairers, every panel carries cameras or sensors, and parts lead times stretch claims. Groups 48–50 encode that. Performance is a factor but repairs are the bigger one — a base Model 3 is group 48+ despite family-car pace… by Tesla standards.
How can I make a Tesla cheaper to insure?
Compare unusually widely (insurer spread on Teslas is the widest in the mainstream market), park it off-street overnight, declare honest mileage, take a voluntary excess you can afford, and requote every year — Tesla pricing has been falling as repair networks mature.
Is a used Tesla worth checking before insuring?
Emphatically — early accident repairs on Teslas were expensive enough that Cat N/S write-offs are common in the used pool, and a written-off Tesla is both harder to insure and harder to have repaired. A full history check by reg shows the record before you commit.
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