Car insurance for your Tesla

EV stands for electric vehicle. This is any vehicle powered fully by an electric battery that can be recharged. All Teslas are EVs.

A car’s price often determines how much you’ll pay for insurance.

Compared to certain other EVs on the market, some Tesla models are expensive to buy, which can make your premium (cost of insurance) more expensive than insurance for a cheaper electric car.

When taking out any kind of insurance policy, there are always factors that can affect the cost of your insurance.

Like insurance premiums for petrol and diesel cars, your age, the type of Tesla you own, any past motoring offences you have and so on, can affect the price of your Tesla insurance.

The type of insurance you take out (whether you choose comprehensive or third party) also affects the price, as well as any additional named drivers you want to add to the policy.

We offer two main types of cover for your Tesla car: comprehensive cover and third-party cover.

Our comprehensive cover comes in four levels:

• Essential
• Admiral
• Gold
• Platinum

Our third-party cover comes in two levels:

• Third-party only
• Third-party, Fire and Theft

Comprehensive insurance — covers your car and injuries, and another person’s car and their injuries if you’re found to be at fault in an accident.

Third-party insurance — is the minimum legal level of cover you need in the UK. It only covers the cost of the other person’s car (i.e. the third party’s car) or injuries in an accident.

Third-party, fire and theft insurance — covers the cost of the other person's car repairs and their injuries in an accident. On top of this, it covers damage to your own car from fire or theft. Unlike comprehensive cover, it does not cover your car or yourself in an accident.

It’s important to note that Admiral’s Third-party, Fire and Theft EV insurance doesn't include out of charge recovery or wallbox cover. It does include battery and charging cable cover.

Third-party only EV cover doesn't include any EV-specific benefits.

To learn more about our EV insurance and what we cover, head to our electric car insurance page.

EVs and petrol or diesel cars work differently. Because of this, our comprehensive electric car insurance also covers your EV battery, personal charging cable, out of charge recovery and other EV specifics.

At Admiral, we design our EV insurance based on customer feedback on what you need your EV cover to include.

Make sure to charge your Tesla overnight at home and use public charging stations if you need to, to stop it from running out of battery.

Certain insurance policies across the market cover the recovery of your Tesla if it runs out of battery, but a lot of insurers don’t.

A Tesla’s range changes based on the model of car. For example, the 2024 Tesla Model Y has an average range of 387 miles (according to the Tesla website), whereas the 2024 Tesla Model 3 has a range of 436 miles (as seen on Tesla’s website). It’s important to check the average range of a Tesla model before you think about buying it.

Other factors can also affect an EV’s mileage, such as weather conditions and the use of air conditioning and heating.

EVs have fewer moving parts than petrol and diesel cars but still need proper servicing and MOTs.

Tesla services can cost more than some other EV services, as they have a lot of expensive parts. This can also be true for other EVs with more expensive parts.

You can take your Tesla to an official Tesla garage for servicing, or to another EV servicing garage. Make sure you check the reviews beforehand.

When it comes to repairs, the cost will depend on what needs fixing or replacing. Replacing the main Tesla battery (not the smaller 12V battery) can be very pricey - between £10,000 and £20,000 on average - whereas replacing a seatbelt or windscreen wiper will be much cheaper.

However, a lot of EV batteries are very expensive to replace.