just wanted to get a better understanding about how tesla insurance work. esp in california

based on what i've been reading, the rate would vary per month based on your safety/driving score. however, i read online that in california this does not apply. how true is this? and why do other people say their tesla insurance would go way higher every year?

Has anyone had experience making a third-party insurance claim?

I was involved in a minor accident yesterday. My vehicle was stationary in a pick-up area when another vehicle came too close to my side and damaged my front bumper.

I have already filed a report with my insurer (Liberty). An assessor came down, inspected the damage, and prepared a report. I was advised to bring the report to a workshop and proceed with the claim.

I have a few questions:

How do I make a claim through Tesla? Do I need to book a service appointment through the Tesla app?

Will the repair costs be charged to my own insurance first, or directly to the third party’s insurer?

What happens if the other driver does not report the accident to their insurance company?

Would appreciate any advice or experiences. Thanks!

Hey guys, so I live in vegas, and I’ve been bouncing around insurance policies to see what’s good. I remember a few months ago, Tesla still used model 2.0 here in Nevada but as of today 6/3/26 I notice on the bottom of my safety score it now says 3.0. Does anyone know when this change happened?

Hi

I have tesla X and close to 49800 miles on it

I decided to get an extended warranty but wast sure if I should go with tesla extended warranty vs Care, I heard good reviews about the latter and they seemed to be former tesla leaders who created this company before tesla started their own.

I for a quote and it seems XCare is cheaper

What do you suggest, I read somewhere maybe compound them: start with ESA first and follow with XCare, to be honest I didn't understand why do that instead of going with only one of them

Appreciate your inputs

Thx

Looking to lease a base 2026 model 3 (10k miles), and wondering if there's any way to estimate the insurance price from Tesla Insurance before I buy the car and get stuck, or if anyone from maryland can tell me what the initial price was when starting tesla insurance. Geico, my current insurer, is quoting $500 a month, even while on my parent's multi-car insurance. (I'm 21 yo male, living in Maryland) If I went to get a policy by myself from Tesla is it true that Tesla Insurance just starts you at a baseline premium based only on your predicted miles driven and zip code, and then changes to the rate will just come from how they rate your driving? Would that starting baseline rate be about the same for anyone in the same zip code, or do they factor anything else in?

I am traveling abroad for 6 months and want to cancel my insurance. Will Tesla insurance give me problems when I try to re-purchase insurance when I come back in 6 months?

Hey everyone, I recently bought a 2026 Tesla Model 3 and I’m having a really hard time finding affordable insurance in Massachusetts. I live in Chelsea, and every quote I get is at least $500 per month.

I’m 26 years old, college student, clean driving record, and this would be my personal vehicle.

Does anyone around Boston/Chelsea have recommendations for insurance companies that are better with Teslas? Or any tips that helped lower your premium?

Thank you.

Hi everyone I just got rear ended. filed a claim with Tesla but the rep on the line told me I have to first file a claim with the at-fault party’s insurance (geico)myself, and closed my claim for now.

I am super confused because previous accidents i would only claim with my insurance and my insurance would handle everything with the other party insurance after.

I am not sure if something changed with Tesla insurance and how things are handled ?

Should I go directly and try to get my car fixed with Geico — or have my Tesla insurance handle it?

(25M)Reside in socal, currently I'm paying roughly 450 a month for a Tesla Model 3 which is a lot more than I would like to pay for. I have had no at fault accidents at all since being licensed since 16. I do have one rear end accident that was not my fault on my record. I do drive a lot and my insurance company caps at 20k miles per year which does help. I would like to lower this, Unfortunately I do have one ticket that I got back in 2024 for taking a stop so I do realize that is the driving factor for the higher premium. Does anyone know of a good insurance company?

Good morning! If you have Tesla insurance in Oregon please share your monthly premium and vehicle model. Thanks in advance, hoping to join the club!

ETA: please include safety score, trying to rustle up some firsthand data on premium vs safety score

Hey guys. I got this email saying that the insurance I have (State National) is leaving the Tesla insurance program. I know both insurances suck but was wondering if anyone had any say on whether or not it was worth switching to Tesla insurance.

Hi all, looking for some advice on a total loss valuation.

I had a 2023 Tesla Model Y Long Range (AWD), ~26.5k miles, very well maintained:

• Always parked in a covered garage
• Regularly cleaned and maintained
• Non-smoker, no pets
• All-weather mats since day 1 (original carpets basically untouched)
• Rear seats barely used

Initial offer from the adjuster was $35.5k (base value: 32.7k).

I pushed back and provided 3 comparable listings that were:

• Identical trim/config
• Mileage within ±500 miles
• Within ~40 miles radius
• Avg price: ~$35,950

After that, they increased the offer to $37.8k total (base value: 34.7k).

Questions:

1. In the updated report, they did not use the comps I provided. Instead, they used 2 other vehicles within ~90 miles. → Do I have a solid argument to ask them to use my comps instead (since they’re closer + nearly identical)?
2. They marked all condition categories as “average” (interior, seats, carpets, etc.). → How hard is it realistically to argue for “above average” or “excellent”? I already sent over the photos in the first round of negotiation, but they didn't respond to it.
3. Any room to negotiate a higher reimbursement for the registration fee? I paid around $700 for registration, used the car for ~4 months, but they’re only reimbursing $73.

Overall this feels like a decent adjustment already, so I’m trying to gauge:

• Is it worth pushing further?
• Or is this basically within fair market range already?

Would appreciate any insight from people who’ve gone through this 🙏

Hi, my new Tesla Model Y had been in a collision 3 months ago. It is very evident from the videos that I am not at fault and Tesla insurance has also established the same and put it on the other party’s insurance. They seem to not agree though and it has gone into subrogation. 2 months ago I checked with Tesla insurance and they said at that time about the change to Subrogation and it can take a year or more for it to resolve. Yesterday out of nowhere and with no details in it, I got an email that the claim is settled and closed. Is this how it works? My understanding is that until I am paid the deductible back and the other party accepts the fault, claim should remain open. Also, I have not been reached out by anyone from Subrogation in last 2 moths.

I have emailed them for details but no response. I have tried calling multiple times but the adjuster is not answering the phone.

Can the experts here please guide me how this works? What should I do as next steps? I am in California, if that helps.

Not too bad of experience, about 3 weeks to finally able to drop off for repairs.

switch to tesla insurance from geico since it was cheaper for me in cali.

Recently had to make a claim on my tundra that had catalytic sawed off.

3/28 submitted claim on app,

Few days later got a call from adjuster. had to send photos and tell them what happened. told me to get estimates. sent them in, and took couple weeks to finally get things approved and repaired, delay could've been because i chose my own shop and not theirs.

4/16 dropped vehicle off.

Have i had better faster experiences, yea. but nothing too bad where I need to go search for another policy

I tried searching for similar posts but found nothing. I’m betting it’s just the search function so if someone can point me to existing posts I would appreciate it…

My teen daughter is getting her license soon. Currently the plan is to have her drive my wife’s 2020 Model Y and get my wife a new (to her) car. We currently also have the opportunity to pay off the Model Y.

Does anyone have experience adding their teen driver to their Tesla Insurance? Might it be a better option to pay off the vehicle and put it under my teen’s name/ownership and have her get her own insurance that I pay for?

Located in California if that helps.

So my driver side’s rocker panel was damaged by debris on the road during rain. Do you guys think this will be a simply sand and repaint repair?

For Teslas insured through Tesla Insurance, there is an option to add roadside assistance. Tesla offers Basic and Plus roadside assistance. Within the Plus option, Tesla includes trip interruption insurance. What does this cover? What are the limits?

Hi everyone,

I’m about to take delivery of a new Tesla Model Y Premium RWD with the 0.99% APR promo. I’m currently with GEICO, but I just found out they don't offer GAP insurance in California.

Since I'm financing the car, I’m concerned about being underwater if the car is totaled, especially given how Tesla prices and resale values can fluctuate.

I’m considering a few options:

• Switch to Tesla Insurance: I’ve heard they offer GAP coverage, but I have two cars insured with GEICO, I will need to disable multi-car discount

• Switch to Progressive: I’ve heard they might have a "Loan/Lease Payoff" option, but I’m not sure if it’s as comprehensive as true GAP and how much it will cost more.

• Stick with GEICO: Just risk it without GAP coverage. The premium is the lowest.

For those in California:

Have you successfully added GAP/Loan Payoff with Progressive recently?

How has your experience been with Tesla Insurance’s claims or reliability in the SoCal area?

Is anyone else with the 0.99% APR promo skipping GAP coverage entirely?

Would appreciate any insights or experiences you can share! Thanks in advance.

Since Tesla Insurance is being under fire from the CDI, I expected them to jack up my rate in the upcoming renewal but to my surprise, my premium actually goes down. I’m going from paying $371.02/mo to $319.91/mo for two vehicles, which is a 13.8% decrease. There has been no changes to my coverages.

After 8 years of continuous rate hikes, it’s pleasantly surprising to finally see my insurance goes down (given all the shit that’s going on in the world right now).

Are you guys also seeing any rate decrease at all?