Most 2023 Tesla Model 3 drivers cut insurance premiums 10 to 30 percent. You do this by raising your Tesla Safety Score, comparing 3 to 5 quotes, bundling home and auto, and right-sizing coverage.
Tesla Insurance tracks real-time driving in many states. Your Safety Score changes your monthly price. Drive smooth to boost it: avoid hard braking, keep safe following distance, and limit forward collision warnings. Your Model 3 collects the data. No extra device needed. In California, Tesla Insurance skips the Safety Score and uses standard factors.
Other steps you control save money too. Cut miles driven. Pick higher deductibles. Park in a garage. Claim discounts. Shop quotes because insurers rate Teslas differently. Compare Tesla Insurance with big names like State Farm or USAA where available.
Check this table for typical savings and Model 3 actions:
| Move | Typical Savings | What to Do on a Model 3 |
|---|---|---|
| Raise Tesla Safety Score | 10 to 40 percent | Use Chill mode, leave more space, brake early, avoid speeding, prevent forced Autopilot disengagement |
| Shop 3 to 5 quotes | 8 to 20 percent | Compare Tesla Insurance with State Farm, USAA, Travelers, Nationwide, and local carriers |
| Bundle home and auto | 5 to 25 percent | Put home or renters policy with the same insurer |
| Increase deductibles | 5 to 15 percent | Set $500 to $1,000 collision and comprehensive deductible if you can pay out of pocket |
| Drive fewer miles | 5 to 10 percent | Join low-mileage programs and update annual mileage |
| Improve security | 2 to 10 percent | Park in locked garage, turn on Sentry Mode, add steering wheel lock in high-theft areas |
| Pay in full or autopay | 3 to 10 percent | Pick annual payment and enable paperless billing |
Take these steps today:
- Open the Tesla app. Check your Safety Score. Aim for steady acceleration, gentle braking, and longer following distance.
- Switch to Chill mode for smooth throttle. Set Autopilot following distance to 4 or 5 cars.
- Get quotes from three or more insurers, including Tesla Insurance if offered. Use same limits and deductibles for fair comparison.
- Bundle home or renters insurance with auto for multi-policy discounts.
- Review coverage. Keep high liability limits. Drop unused extras like roadside if warranty covers it.
- Raise deductibles if you have cash ready. Higher deductible means lower premium.
- Update mileage and parking spot. True info lowers rates.
- Ask for discounts: safe driver, telematics, paperless, full pay, anti-theft.
Tesla Insurance uses real-time data outside California. Autopilot and FSD help smooth driving, but stay alert to avoid score drops from forced disengagements.
Sidekick tracks your Model 3 costs and shows top insurance moves for your setup.
(Word count: 478)