How much does insurance cost for a Tesla Model 3 in Texas?
Insurance for a 2019 Tesla Model 3 in Texas zip code 75035 averages $2,800 to $4,200 per year. Full coverage costs about $3,500 annually, according to Sidekick data from 1,200 verified Texas EV owners (as of March 2026). Rates beat national averages by 12% for clean-record drivers under 40.
Here's what you need to know:
- Location impact: Frisco (75035) sees 15% lower rates than Houston due to fewer claims. Texas ranks high nationally, with average full coverage at $2,500 (Source: Insurance Information Institute, 2025).
- Vehicle factors: Teslas cost 25-40% more to insure than gas sedans because of repair costs and battery tech. 2019 models average $3,200 full coverage (Source: J.D. Power Auto Insurance Study, 2026).
- Driver profile: Clean records save $800 yearly. Drivers over 50 pay 20% less.
2019 Tesla Model 3 Insurance Costs in Texas (75035)
| Coverage Type | Annual Cost | Monthly Cost | Based on (N=) |
|---|---|---|---|
| Liability Only | $1,450-$2,100 | $120-$175 | 850 owners |
| Full Coverage | $3,200-$4,500 | $265-$375 | 1,200 owners |
| With Safety Discount | $2,800-$3,800 | $235-$315 | 450 owners |
"Texas Tesla owners save an average of $450 yearly by bundling home and auto," says the Sidekick Research Team, based on analysis of 2,800 verified policies (Source: Sidekick Insurance Report, 2026).
Factors That Raise or Lower Your Rate
Texas regulators note EVs like the Model 3 face higher premiums from pricey parts. A fender bender repair hits $8,000 on average. Good news: Tesla's safety features cut rates 18% for qualifying drivers.
Quick tips to cut costs:
- Shop three quotes. Compare Progressive, State Farm, and Geico: they lead for Teslas in Texas.
- Add defensive driving course: Saves $200-$300 yearly.
- Increase deductible to $1,000: Drops premium 15%.
- Use telematics apps: Track safe driving for 10-25% off.
Sidekick scans your VIN and zip to show real owner rates in seconds. Enter your 2019 Model 3 details for a personalized quote match.
Rates fluctuate with claims data. Check monthly, as Texas saw 8% hikes in Q1 2026 from storm damage (Source: NAIC Annual Report, 2025). Owners in 75035 report steady costs thanks to low theft rates.