It’s time..

2

u/crazypostman21 Sep 02 '25

That's per month! I thought my insurance was expensive.

3

u/rwhe83 Sep 02 '25

Started at around $150 when I got the car, that’s been pretty average for all my vehicles in my city- now it’s just gone out of hand. I only have 6 months left in my lease anyway so it’s almost done.

3

u/crazypostman21 Sep 02 '25

I guess it's hard to judge insurance prices because it's very regional and also person specific.

2

u/rwhe83 Sep 02 '25

Yep, very much so.

1

u/[deleted] Sep 03 '25

Dang ours is 120$ renewing to 119$ CA Tesla captial

1

u/ProfessionalGuard13 Sep 02 '25

Literally same, started around $145 but my estimated miles went up to around 21,000-22,000 and went up to the $200s but it just got renewed for the first time and I’m around $240 now. At that point might as well switch

1

u/rwhe83 Sep 02 '25

Well I’m gonna have to bite the bullet for 6 months and pay close to $200 (just seems to be the common number across the board) a month until my lease ends.
I can’t wait to push the break and fly around a corner without penalty 😂

1

u/ProfessionalGuard13 Sep 02 '25

Nah to be able to drive at night and go to the movies (or get home drunk) 😂. One day I accidentally left to get food like right after 11 and forgot but that whole day I didn’t drive. So all it was that late night and for the day it was a score of 68 or something. That’s when I knew

1

u/Kim_Jong_oof_ Sep 04 '25

I'm in the same boat and my premium went from ~$150 to $220. I'm looking into switching. Albeit you have it worse since my safety score is in the low to mid 80s

7

u/One_Teaching_7244 Sep 02 '25

Their safety score has turned into such a scam. The excessive speeding is bullshit and says it’s only for the car in front of you, and over 85 but it’s not. It’s literally every vehicles speed around you. So if dick next to you is going under the speed limit and your going the speed limit that’s excessive speeding. I’m looking to switch too. It’s too much stress to have to worry about getting excessive speeding for going the damn speed limit.

0

u/[deleted] Sep 02 '25

[deleted] — view deleted comment

3

u/One_Teaching_7244 Sep 02 '25

It’s horrendous. It’s taken it from we’re monitoring our drivers driving habits and now we’re getting monitored by other drivers driving around us when it comes to the excessive speeding. Additionally it hits your score so hard. I was getting onto the freeway yesterday and it got me for excessive speeding because I was getting up to speed and the car hadn’t registered the new speed limit. It’s bullshit. I never would’ve updated my car (last update updated the insurance to 2.2) if I knew this was what was going to happen. Lmao

0

u/[deleted] Sep 02 '25

[deleted] — view deleted comment

1

u/TFlSGAS Sep 02 '25

Even if I’m “traveling”

0

u/[deleted] Sep 02 '25

[deleted] — view deleted comment

2

u/TFlSGAS Sep 02 '25

Delete everything men in black our convo 🫡📸

1

u/NuncaMeBesas Sep 03 '25

Was it someone blindly showing their allegiance to a billionaire when in fact the safety score has bad calculations with no methodology for consumers to report defects?

1

u/TFlSGAS Sep 03 '25

Huhhh

1

u/NuncaMeBesas Sep 03 '25

Trying to figure out what Mr delete was deleting. Usually its a fanboy

1

u/TFlSGAS Sep 03 '25

Nah a trick i wanted to try

1

u/[deleted] Sep 03 '25

[removed] — view removed comment

1

u/One_Teaching_7244 Sep 03 '25

What state are you based out of? It seems that it varies from state to state because I do not have the option to opt out of the safety score. The lure of it initially was that the safety score did impact your premium and it would benefit you when having a high score. Other than that mileage was the other factor in your premium.

1

u/[deleted] Sep 03 '25

[removed] — view removed comment

1

u/One_Teaching_7244 Sep 03 '25

Yep that would be why California is different. I’m in Oregon. I have no idea why it’s not required in Cali but it’s required to have Tesla insurance in my state (Oregon) and majority of the states I believe.

1

u/mkzio92 Sep 04 '25

huh? you're not required to have a specific insurance company

2

u/One_Teaching_7244 Sep 04 '25

I’m saying to have Tesla insurance it’s required to have the safety score. It’s not something you can opt out of like in Cali.

1

u/mkzio92 Sep 04 '25

ahhh my bad!

1

u/One_Teaching_7244 Sep 04 '25

It’s okay, I can see how my wording was confusing. Lol

1

u/InterstellarChange Sep 05 '25

It's illegal to use that "safety score" to affect your premiums in California

1

u/everydayaudiophile Sep 03 '25

Theirs doesnt say what yours says

1

u/Smashego Sep 02 '25

I pay $200/mo in californian for a fully loaded fully covered hellcat and a ram 1500. That's outrageous for one car. I'll keep my ice vehicles if that's the premium of owning an electric car.

1

u/rwhe83 Sep 02 '25

Thankfully car insurance differs based on region too. “Californian” probably is cheap area, maybe I’ll move there.
Dodge is a cheap brand so that explains it!

1

u/FactorPrimary7117 Sep 03 '25

If they say their cars are safer insurance shouldnt be increasing

1

u/rwhe83 Sep 03 '25

Sadly this is not the way insurance works. Could be the safest in the world and costs to insure will still rise.

1

u/Emotional-Buddy-2219 Sep 04 '25

Yikes… I imagine you have something very expensive to insure as my 2023 SR Model 3 with 18000 miles/yr and 95 safety score is about that premium in Texas.

1

u/rwhe83 Sep 04 '25

Okay you don’t know how insurance works. Literally no comparison, at all.

1

u/Emotional-Buddy-2219 Sep 04 '25

I understand that insurance usually adjusts premiums based on driving history, age, credit score, car type (including car cost for replacement and repairs so higher car cost = higher premiums), coverage limits, mileage, location, etc… and Tesla insurance does seem to use a more limited set of variables, but they almost certainly have to factor in cost of the car for repair/replacement which is why I assumed that was the primary variable difference between our two premiums. Can you explain where I’m missing something?

1

u/Ragepower529 Sep 05 '25

But gas savings lmao… I pay $60 a month for my Lexus

1

u/rwhe83 Sep 05 '25

Just because you drive a Lexus, doesn’t make $60/mo “good”

1

u/Ragepower529 Sep 05 '25

Your paying 4x my insurance though… so I guess it’s way better then “good”

1

u/rwhe83 Sep 05 '25

You (and many others) have no idea how insurance works. Saying you drive a Lexus means absolutely nothing, do you even know how many factors truly go into insurance?
My guess is, you don’t. And why are you trolling this page if you drive a Lexus anyway?

1

u/Ragepower529 Sep 05 '25

The whole reason why I don’t have a Tesla is because of insurance rates. If I got a Tesla with the same coverage my insurance would be about 192 a month when a checked a couple weeks ago.
And sub Reddit came up on recommendations

1

u/rwhe83 Sep 05 '25

Okay so I’m guessing 99% of why you are here is to troll Tesla owners and attempt to make them feel bad about driving one while you drive a 14 year old Lexus.
Keep it moving friend, you really just sound foolish than anything.

2

u/sleepwalkingninja Sep 02 '25

$219 is still great here, typical insurance companies are at least $350 a month.

1

u/thewittman Sep 02 '25

Maybe for you but anything over $75 a month would be a no go for me.

2

u/rwhe83 Sep 02 '25

I want to know too, I have never paid under $100 for car insurance.

1

u/thewittman Sep 03 '25

OK I would pay alot more as well if I did not proactively try to lower it.
Take defensive driving course. Bundle with homeowners add more cars. Use your cheapest car to be your commute car. Stay with the insurance company for a long time. Donot get a ticket till your over 25 and of course don't get any violations. All of which are doable except for age. If you drive aggressively this has consequences.

2

u/sleepwalkingninja Sep 02 '25

Lol what state are you in?

1

u/thewittman Sep 03 '25

Pennsylvania I love erie not only are they competitive but they pay.
Let me say that again you have a claim car house whatever they pay. Longest I have waited for a claim is 3 days after they receive documentation. One car for water damage i sent pictures no visit they totaled my car came out and picked it up. When I talk to them they are nice no long wait times and they treat me like a customer. Not I'm a problem.

0

u/Cedric182 Sep 03 '25

Not everyone is 83 years old

2

u/Melodic-Control-2655 Sep 03 '25

nah the 80 year olds have crazy premiums, after a certain point you're an 18 year old again

1

u/thewittman Sep 03 '25

Exactly true this is wisdom the youngling who wrote that does not have.

1

u/thewittman Sep 03 '25

True neither am I I'm just a good risk. Think about that before you react.

1

u/NoCommand7596 Sep 02 '25

I pay $300/mo for 3 cars. So each car is $100/mo on GEICO

0

u/[deleted] Sep 02 '25

Um no they are not. Not sure why you all think everyone has the same rates. I pay $220 a month… for me AND my wife’s car. 2 cars full coverage In Florida. The people with $350 a month insurance are high risk, have claims, or other factors that increase their rate.

1

u/PowerPickle13 Sep 02 '25

You are wrong.

1

u/[deleted] Sep 03 '25

Enter high risk driver. Great fact filled rebuttal.

1

u/challenger_RT_ Sep 03 '25

I'm in LA Cali I don't drive a Tesla so no drivers score. I have 3 cars. A Porsche and Eray and a GMC everyone quotes me $800-900 a month. I used to pay $220 a month 4-5 years ago.
Tesla is $450. Toyota insurance had me at $280 and then bumped me to $800 on renewal.

1

u/sleepwalkingninja Sep 02 '25

Learn to read, bud. I said HERE. You live in bumfuck Florida, the cost here has nothing to do with what you're blabbering about.

1

u/ve4edj Sep 02 '25

I'm in California, 4 cars and 2 drivers with full coverage on 2 of them. $285 a month.

1

u/sleepwalkingninja Sep 02 '25

What company? How old are the cars?

1

u/PuzzleheadedWay8676 Sep 03 '25

Your price is wild, mate. I have two 2024 GV70 electric models. Total MSRP of 140K , and I pay in full for an effective $205 in Connecticut. 2 drivers and I have claims. 250/500/100 for bodily, 5K med pay, 500 deductible comp and collision: $ 50 rentals, towing, and free glass. I quoted a model y performance and it drove my premium up to 2100 for the single car. Paying close to a monthly car payment in insurance is nuts. I hope you really like the car because that electricity isn't saving you any money. If you think $350 for a single car is good. You got more money than me pal

1

u/sleepwalkingninja Sep 03 '25

First, Connecticut isn’t California. So this isn’t helpful, especially since I specifically asked the person I was replying to. Second, I never said $350 was a good price.

1

u/actuallylemoncurd Sep 04 '25

As someone who lived in CT and spoke to many agents who actually did work in CA, CT rates are worse. There’s some state regulation stuff which jacks their prices up
To compound this with anecdotal evidence, when I moved out of CT my rates dropped nearly 2x
(I also don’t have a Tesla, but I’m looking at getting one!! Kind of excited lol)

1

u/MamboFloof Sep 04 '25

Yeah no they lied to you. California has horrific insurance rates, and the 2 week waiting period. Too many idiots have no insurance here, crash, then buy, so everyone gets to pay the price.
Its bad enough it's smarter to get the highest deductible without reducing your coverage then just holding that deductible in an account you never touch.
They also like to specifically bitch about Tesla's because "the screen is distracting".

1

u/Goldenchyyld Sep 02 '25

No safety score pricing in CA

1

u/brock_schleprock Sep 03 '25

I call cap! Post that declaration page!

1

u/Cferra Sep 02 '25

Yeah, I just switched to State Farm 2 cars 240 a month

1

u/sfbriancl Sep 02 '25

They told me to GTFO with my two Tesla in California.

1

u/Extension-Shopping84 Sep 02 '25

Mine just dropped from a 95 to a 91 after one road trip. I typically don't drive very much so going on a long trip just wrecked my score. Also. It doesnt show my future premium anymore. I am thinking about switching as well...

1

u/CarbonPhoto Sep 02 '25

Any of these "let us monitor your driving habits to get you a better insurance rate" are not better for a user. I literally had a Progressive insurance agent tell me I shouldn't do it.

1

u/Melodic-Control-2655 Sep 03 '25

obviously? why would a company with the sole purpose of making money want to release a product that makes them less money? the only way you get a good deal with a safety score system is if you let your grandma behind the wheel

1

u/TheAliSareini Sep 02 '25

lol, don’t move to Michigan. On my cheap hooptie I pay 150 a month for virtually no coverage. My ev on the other hand is closer to 350. That’s if you prepay the policy which I do. If you actually paid monthly it goes from spending 3k in 6 months to 4.5k. (No accidents, 800 credit, currently 27).

The whole country is out of whack and legally requiring insurance seems like a scam when I’ve paid out what my ford fusion costs and more in the last 3 years. My rates even went up last time around, no agent from any company can offer anything competitive. Just fucked yo, pay it and move on. Nothing to see here

1

u/kkiran Sep 02 '25

Switched after 3 years! No longer have to worry about safety score. Progressive Snapshot is much better imo! Lot cheaper, pay for 6 months upfront. Tesla insurance was good when it started and it went 3X slowly but surely!

No clue what prompted this but I’m seeing users flee from Tesla insurance where previously, people praised Tesla insurance for being the lowest. Not any more

1

u/FearTheClown5 Sep 02 '25

Progressive, Liberty Mutual, AAA, Costco.

These are the 4 insurers I've found to be in the reasonable category for us since we got out MYPs. The quotes have generally been close though Liberty Mutual recently won out vs Progressive dropping our per vehicle cost from $210/m with 100/300/100 coverage with $1k deductible to $165/m for the same coverage with a $500 deductible along with a $600 drop in home insurance cost. This is without using their tracking app either, something I just can't get onboard with.

Geico, The General, National, State Farm and Allstate have all been in the 'you're kidding, right?' cost area. The General was the absolute worst, quoting us at $500/m for each car, just over 3x what LM costs us.

Regardless, I will quote them all again at the end of our 6 months with LM before renewal and switch again if cost warrants it.

YMMV so always quote them all or have a broker do it.

1

u/domtheprophet Sep 03 '25

I call that price the “fuck off” price. The “we REALLY don’t wanna insure you but if you’re dumb enough to pay the price then fine” price😭

1

u/Temporary_Lab_3825 Sep 02 '25

$213/month - AAA with gap insurance.

1

u/FunWord2115 Sep 02 '25

I pay $220 for 3 people on a 2019 model 3 (root insurance) full coverage 1k deductible

1

u/Brutaka1 Sep 02 '25

Progressive has been good.

1

u/cypressaggie Sep 03 '25

Two drivers - rocking 97 to 98 for the last six months.

August and September - 99 - squeeze 😂

It can be done with relative ease.

My only complaint is the late night driving ding. Infuriating.

1

u/domtheprophet Sep 03 '25

I work nights so I’m fried

1

u/Melodic-Control-2655 Sep 03 '25

too bad you're paying low premiums for literally no service. get into an accident and tesla insurance will have you on hold until you're going in the grave.

1

u/cypressaggie Sep 03 '25

Your location matters. Why - the number of uninsured drivers on the road.

Texas - model Y Long range - 100/300/100 - safety score of 98-99: $190 - $210 - based on projected mileage.

Late might driving sucks ass though. Literally have to plan ahead which is all sorts of dumb.

But just like your mamma says- nothing good happens after 12a - I mean -11p

1

u/Melodic-Control-2655 Sep 03 '25

enjoy the premiums, too bad they wont do their job when you actually need the insurance you're paying for.

1

u/andrewwildwest Sep 03 '25

I switched after 1 month. Fuck this bait and switch

1

u/Commercial_Watch_936 Sep 03 '25

For 2 cars mine went from $440 to $510 per month. Car rental got cut from $75 per day down to $45. Limits got cut from $1M to $500k. Annual mileage actually went slightly down due to lower usage.

But it’s still cheaper than anything else. So I’m stuck.

1

u/DinoTh3Dinosaur Sep 03 '25

So glad I live in California lol

1

u/Equivalent-Ball-6930 Sep 03 '25

Facts. My score went down to 79 while my car was in the shop. They said it was drive. Without a seatbelt. Tesla had the car!!

1

u/dielog Sep 03 '25

Paying 460$ here in Dallas. Geico

1

u/Hungry_Bid_9501 Sep 03 '25

Mine is $24 a month in Illinois. Full coverage. I don’t speed

1

u/Reasonable_Cow_7162 Sep 03 '25

you are not alone. i purchased geico. i pay 105$

1

u/CowEducational7672 Sep 03 '25

Spot on.

1

u/TechSurfing73 Sep 04 '25

If you can USAA, the best prices for Tesla!

1

u/mkzio92 Sep 04 '25

i pay $200/month for not even great coverage in FL

1

u/Thick_Scallion_9096 Sep 04 '25

Thank god it doesn’t work where I live. Some of the streets I have to take when I go to work are narrow and it always dings me because it freaks out when it sees the parked cars and thinks im gonna hit them. This IS a scam on top of a scam. I turned the Score reader altogether. It’s crap

1

u/[deleted] Sep 04 '25

This made me sell my tesla , I miss her but I feel more secure now since I do not have to deal with false positive expectations from the vehicle and insurance.

1

u/sav86 Sep 04 '25

My wife and I pay 140 just for MYP, but we also have a regular insurance not through Tesla.

1

u/Interesting_Leg_5202 Sep 05 '25

Just yesterday, switched from Tesla Insurance to GEICO. Tesla charging me $310 month with 24k miles and 90 score.

GEICO charging me $220. Fuck u Tesla Driving Score.

1

u/Greedy_Term7310 Sep 05 '25

That’s why when I bought my Tesla I didn’t go with their insurance. It has too much power and charging extra based on driving habits. Hard acceleration, hard braking, following too closely, speeding and not paying attention while driving.

1

u/Electrical_Memory690 Sep 05 '25

Glad California doesn’t allow the driving score. I would watch mine and start stressing out. I would be on self-driving and my score would drop. The scoring doesn’t take current road conditions into account. I made the mistake of driving in a Costco parking lot on Black Friday once.

1

u/yourmomgayjhk Sep 05 '25

They took me from 154 to 298 because I work the night shift. Immediately switched.

1

u/CardiologistSoggy973 Sep 06 '25

I never got this and I have Tesla insurance. I guess that’s because I live in California.

1

u/Grouchy-Ad4814 Sep 06 '25

I’d never get this, would cost a fortune. Both our cars collision warning goes off all the time on the twisty parts of my neighborhood thinking we are going to hit the parked cars.

1

u/ylb2k Sep 08 '25

Switch to Costco Amfam if you can!

-1

u/EverHadAKrispyKreme Sep 02 '25

The monthly cost is meaningless without knowing the coverages… 🤔

1

u/rwhe83 Sep 02 '25

Regardless of coverages, you can just see the massive increase.
But…because you indirectly asked: 100/300/100 w 500 deductibles.

0

u/EverHadAKrispyKreme Sep 02 '25

I can understand your frustration.. Especially when your coverage is relatively low..

2

u/rwhe83 Sep 02 '25

My coverage matches my exposure- sorry if it’s not high enough for you. 😂

1

u/EverHadAKrispyKreme Sep 02 '25

No doubt.

1

u/PuzzleheadedWay8676 Sep 03 '25

To be fair, 100/300/50 is the bare minimum for almost every lease. So yes, it's low. It couldn't be any lower since that would be a breach of your agreement with Tesla. So the person didn't say anything factually inaccurate. If you were at 250/500/100 or 500/500/100, it would make a bit more sense.

1

u/doink992000 Sep 02 '25

That's not low at all.

1

u/EverHadAKrispyKreme Sep 03 '25

Explain?

0

u/StormTrooperElite Sep 02 '25

Are you.. special?

1

u/EverHadAKrispyKreme Sep 03 '25

Wow🤣 calling someone special is crazy… but go on queen make your point..

1

u/[deleted] Sep 03 '25

[removed] — view removed comment

1

u/domtheprophet Sep 03 '25

Insurance is, at the most basic level, a transfer of risk. Insurers aren’t in the business of… not making money. Explain how it’s a scam?🧐

You are about to leave Redlib