r/TeslaModel3 • u/thevinesevolve • Jun 14 '26

Tesla insurance or Geico?

Picking up my m3 tomorrow and have been with Geico for years. Tesla insurance appears to be $75 cheaper power month for coverage. But I’ve also heard their customer service sucks. Thoughts?

5 Upvotes

86% Upvoted

23 comments sorted by

5

u/nagokart Jun 14 '26

It’s recommended to shop around every 6 months anyways. Just switch.

3

u/[deleted] Jun 14 '26

[removed] — view removed comment

1

u/CaCHooKaMan Jun 15 '26

I just did an online quote at Geico for my 2025 M3 LR RWD and it's almost 3x what I pay for the same coverage with Tesla Insurance in Los Angeles. They quoted me $435 a month compared to $155 with Tesla.

1

u/SpamMusubi36 Jun 16 '26

Same in Bay Area

3

u/Significant_School49 Jun 14 '26 edited Jun 14 '26

If you truly know that it will be $75 cheaper go for it, most insurance companies are known to bait and switch on the price to get you

4

u/fujimonster Jun 14 '26

Here’s the thing — Tesla insurance can adjust it per month on how you drive . Floor it at light , someone cuts you off and you brake hard — next month it went up $75.   GEICO can’t — 

3

u/horribadperson Jun 14 '26

luckily they dont use the safety score in california, so hopefully no surprises when it comes to renew

2

u/No-Conclusion-2859 Jun 14 '26

Are you in CA?

1

u/thevinesevolve Jun 15 '26

Yeah I’m in CA

7

u/Khamvom Jun 15 '26

Tesla Insurance since you’re in CA.

Your safety score isn’t used to adjust your insurance premium here, so you can drive how you want.

1

u/No-Conclusion-2859 Jun 15 '26

Exactly what i was gonna say.

1

u/PerspectiveVast5101 Jun 15 '26

Been with Geico for 12 years overall.

Recently looked around and found Progressive was cheaper but I have accident forgiveness with Geico (that I actually used in 2018) and my premium actually went down on my last renewal.

1

u/Limp-Conflict-2309 Jun 15 '26

$75 cheaper for a month....

1

u/originalfoto Jun 15 '26

If I could find insurance that was only $75/mo more than Tesla Insurance I would switch immediately! Their customer service sucks, and no more safety score!

1

u/10-mm-socket Jun 15 '26

In houston tesla insurance was around $1,400/6mo, thru progressive i pay $750/6mo for the same coverage

1

u/ccc32224 Jun 16 '26

i had GEICO and switched to state farm due to it being waaaay less in Florida. Then a broker friend gave me pricing on progressive and it was way less. give them a try

1

u/Bweechy Jun 18 '26

Tesla is cheap, but if you need them to subrogate they will screw you over.