Why is Tesla insurance more expensive?

Tesla parts are proprietary and expensive, certified body shops are rare in Quebec, the panoramic windshield cannot be repaired (replacement $2,500-$4,000), and the battery is worth over $20,000. The Model Y and Model 3 are among the most stolen vehicles.

TESLA AUTO INSURANCE 2026

Tesla auto insurance Quebec — compare 9+ EV insurers

Q: Is there a discount for insuring a Tesla electric vehicle?

Yes. Several insurers offer a 5% to 15% electric vehicle discount on Teslas. This discount partially offsets the higher premium related to parts costs.

Q: Is a GPS tracker required to insure a Tesla in Quebec?

For the Model Y, very often yes. Many insurers now require a certified anti-theft device. For other models, it is strongly recommended — installation allows for a 5% to 15% discount.

Q: Is Tesla Insurance available in Quebec?

No, not yet. Tesla Insurance is only offered in the United States and a few limited Canadian markets. In Quebec, you must obtain coverage from a local insurer licensed by the AMF.

Q: Does Tesla's Autopilot and FSD reduce the insurance premium?

Very slightly. Some insurers offer a safety discount of 3% to 8% for Autopilot. FSD is not always recognized distinctly. The driver remains legally responsible in Quebec.

Q: Can I repair a Tesla windshield or does it need to be replaced?

On most Teslas, the windshield is panoramic and must be replaced ($2,500 to $4,000). Your comprehensive coverage (B1) covers the replacement after deductible.

Q: How long does it take to get a quote for a Tesla at Assur360?

Less than 3 minutes online. Our insurance brokers then compare over 9 insurers, including those specialized in electric vehicles, and call you back with the best offers within the day. Free, no obligation.

Model 3, Model Y, Model S, Model X, Cybertruck — specialized Tesla brokers find you the best price for your electric vehicle.

Compare 30+ free quotes

$2,050

Average Tesla QC Premium

Insurers Compared

-30 %

Medium EV Savings

15+ years

Brokerage Experience

Do you drive a Tesla in Quebec? Whether you own a Model 3, Model Y, Model S, Model X, or Cybertruck, insuring a Tesla electric vehicle requires a broker who knows the specifics of EVs. Assur360 — an AMF-certified firm and a member of the Chamber of Insurance — compares more than 9 insurers for Tesla owners in Quebec. Tesla premiums are higher than average ($1,600 to $3,000/year) due to proprietary parts, limited number of certified bodybuilders, and the cost of replacing the windshield or battery. However, some insurers offer an EV discount of up to 10 to 15%. Free comparison in 3 minutes. Even with a difficult case, our sub-standard network has your Tesla covered.

IN BRIEF

Car Insurance for Tesla (Model 3, Y, S, X)

Teslas have high repair costs (aluminum body, Autopilot sensors, 800-1500 V battery). The average premium is 30-50% higher than that of an equivalent combustion SUV.

Specific warranties: 8-year battery warranty, certified Tesla workshops. Check Autopilot coverage and home charging station support (electrical fire).

Average Tesla insurance price in Quebec 2026

Tesla insurance premiums range from $1,600 to $3,000 per year depending on the model, your driving record, your region, and the Autopilot/FSD option enabled. The Model 3 remains the most affordable model to insure, while the Model X and Cybertruck climb to $2,800 and above due to their value and specific parts. Tesla is also launching its own insurance program (Tesla Insurance) in some markets, but it is not yet available in Quebec.

Tesla Model	Age 25-45 (good record)	Age 20-24	Back with dots
2024 Tesla Model 3 RWD	$1,600 – $2,200	$2,250 – $3,050	$2,550 – $3,400
Tesla Model 3 Performance	$1,850 – $2,500	$2,600 – $3,450	$2,950 – $3,850
2024 Tesla Model Y LR	$1,750 – $2,400	$2,450 – $3,300	$2,800 – $3,700
Tesla Model Y Performance	$1,950 – $2,600	$2,750 – $3,600	$3,100 – $4,050
2024 Tesla Model S	$2,250 – $2,950	$3,100 – $4,050	$3,500 – $4,500
2024 Tesla Model X	$2,350 – $3,000	$3,250 – $4,200	$3,650 – $4,700
Tesla Cybertruck	$2,500 – $3,200	$3,400 – $4,400	$3,850 – $4,900

*Indicative rates 2026. Get your exact price in 3 minutes.

Factors that influence your Tesla premium

🔧

Proprietary Parts

Tesla is in full control of its parts chain. Delivery times and costs are higher than a traditional vehicle, which increases claims.

🏭

Certified bodybuilders

Few body shops in Quebec are Tesla Approved Body Shop certified. Vehicles often have to be towed away, increasing costs.

🪟

Panoramic windshield

On most Teslas, a crack means a complete replacement ($2,500 to $4,000) because standard repair is rarely possible.

🚨

Model Y flight on the rise

The Model Y is in the top 10 of the most stolen vehicles in Quebec according to the Équité Association. Some insurers require a GPS tracker.

🤖

Autopilot and FSD

Standard Autopilot reduces the risk of a collision and can entitle you to a safety discount of 3 to 8% with some insurers.

🔋

Battery with 8-year warranty

The Tesla battery is guaranteed for 8 years / 160,000 km by the manufacturer, which reduces the risk of major mechanical damage for insurers.

TESLA OWNERS

Save up to 30% with EV discounts

Compare 9+ insurers specialized in electric vehicles. Quote in 3 minutes, no obligation.

Get my quote

How to save on your Tesla insurance

Activate the electric vehicle rebate

Belairdirect, Intact, La Capitale, Promutuel and many others offer an EV discount of 5 to 15% for Teslas. Always mention this to your Assur360 insurance broker.

Install a GPS Tracker on Your Model Y

The Model Y is very targeted by thieves. A Tag or Boomerang device ($500-1,200) allows you to maintain theft coverage and reduces the premium by 5 to 15%.

Combine car + home

A multi-product discount of 10 to 15% applies when you combine your Tesla with home insurance.

Increase your deductible

Given the cost of Tesla repairs, a $1,000 or $1,500 deductible can reduce the premium by 8 to 14 percent. To be evaluated according to your budget.

Compare 9+ Insurers Through a Broker

The differences for the same Tesla can be as high as $1,000 per year. An independent broker like Assur360 will find the most advantageous offer for your EV.

Recommended Coverages for Your Tesla

Liability $2M

The minimum recommended for a valuable electric vehicle. Covers damage caused to others in the event of an at-fault accident.

All Risks (Chapter B1)

Essential for a Tesla. Covers collision, theft, vandalism, fire, natural disasters and windshield breakage.

Replacement Cost

On a new Tesla or less than 2 years old, replace the vehicle at the price paid in the event of a total loss — crucial given the EV depreciation.

High Voltage Battery Protection

Endorsement that covers the Tesla battery ($18,000 to $25,000) against accidental damage not covered by the factory warranty.

Replacement vehicle

Endorsement 20a — essential as Tesla repairs often take 4-10 weeks due to the lead time of parts and certified bodybuilders.

Charging station protection

Your home charging station (Tesla Wall Connector, $800-$1,500) is usually covered by your home insurance — check the limits.

💡

Tip: The Supercharger network is not a substitute for roadside assistance

Even with access to Superchargers throughout Quebec, in the event of a battery failure far from a charging station, you will need specialized towing to a Tesla dealership. Keep the Roadside Assistance Endorsement active — towing a Tesla costs $400 to $800 without coverage.

⚠️

Model Y flights in Quebec — GPS highly recommended

According to the Équité Association, the Tesla Model Y is one of the most stolen vehicles in Canada in 2025. Many insurers now require an approved GPS tracker (Tag, Boomerang, LoJack) to grant theft coverage. Also, check for Transport Canada recalls on your Tesla before subscribing.

Cities served in Quebec

Assur360 insures Tesla owners in Montreal, Quebec City, Laval, Longueuil, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Lévis, Terrebonne, Drummondville, Saint-Jérôme, Granby, Thetford Mines and everywhere else in Quebec. There are many Tesla owners in Montreal, Laval and on the South Shore, where the Supercharger network is the densest. Our insurance brokers know the regional specifics and the insurers that offer the best EV discounts in your industry.

Frequently Asked Questions — Tesla Car Insurance

What is the average price of Tesla insurance in Quebec in 2026?

The average Tesla premium in Quebec ranges from $1,600 to $3,000 per year. A Model 3 RWD costs about $1,600 to $2,200, a Model Y LR $1,750 to $2,400, a Model S $2,250 to $2,950, and a Cybertruck $2,500 to $3,200. The premium depends on the model, your record, and your region. Get your exact price in 3 minutes.

Why does Tesla insurance cost more?

Several reasons: Tesla parts are proprietary and expensive, certified Tesla Approved body shops are rare in Quebec, the panoramic windshield cannot be repaired (full replacement $2,500-$4,000), and the high-voltage battery is worth over $20,000. The Model Y and Model 3 are also among the most stolen vehicles. All these factors increase the cost of claims and thus the premium.

Is there a discount for insuring a Tesla electric vehicle?

Yes. Several insurers (Belairdirect, Intact, Promutuel, La Capitale, SSQ) offer an electric vehicle discount of 5% to 15% on Teslas. This discount partially offsets the higher premium related to parts costs. Always ask your Assur360 insurance broker about it — some companies apply it automatically, others only upon request.

Is a GPS tracker required to insure a Tesla in Quebec?

For the Model Y, often yes. Many insurers now require an approved anti-theft device (Tag, Boomerang, LoJack) on the Model Y due to the high theft rate. For the Model 3, Model S, or Model X, it is not always mandatory but highly recommended — installation costs $500 to $1,200 and often allows for a discount of 5% to 15%.

Is Tesla Insurance available in Quebec?

No, not yet. Tesla Insurance is offered only in certain U.S. states and a few limited Canadian markets. In Quebec, you must purchase insurance from a local insurer licensed by the AMF. A broker like Assur360 compares 9+ Quebec insurers and finds the best offer for your Tesla.

Is the Tesla battery covered by insurance or warranty?

Both, depending on the cause. The Tesla warranty (8 years / 160,000 km) covers manufacturing defects and capacity loss below 70%. For accidental damage (collision, flooding, fire, puncture), your comprehensive auto insurance (Chapter B1) takes over. A specific high-voltage battery endorsement is available from some insurers to cover edge cases.

Does Tesla’s Autopilot and FSD reduce the insurance premium?

Very slightly. Some insurers recognize Autopilot as an advanced driver assistance system and offer a safety discount of 3% to 8%. FSD (Full Self-Driving) is not always recognized distinctly, and the driver remains legally responsible in Quebec. Note that the premium does not significantly decrease due to FSD — but your claims are less likely.

Can I repair a Tesla windshield or does it need to be replaced?

On most Teslas, the windshield is panoramic and integrated into the roof structure (Model S, Model X, Model 3, Model Y). A crack or impact of more than a few centimeters means complete replacement ($2,500 to $4,000). Your comprehensive coverage (B1) covers this replacement after the deductible. Some insurers offer a “glass breakage without deductible” endorsement specifically for Teslas.

Can I insure my Tesla with a bad driving record?

Yes. Assur360 works with insurers specialized in substandard auto insurance that accept drivers with points, accidents, suspensions, DUI, or criminal records — even on a Tesla. The price is higher due to the model and profile, but coverage is guaranteed.

How long does it take to get a quote for a Tesla at Assur360?

Less than 3 minutes online. You fill out the basic information (model, year, postal code, record, Autopilot/FSD). Our brokers then compare over 9 insurers, including those specialized in electric vehicles, and call you back with the best offers within the day. Free, no obligation, no impact on your credit record.