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See insurance groups for popular Tesla models
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Tesla models typically sit in Groups 32 to 50. The Model 3 starts at Group 32, and the Model S and Model X both sit at Group 50. Tesla's UK range is small, so the group table below covers all four current and recent models.
| Model | Typical Insurance Group | Engine |
|---|---|---|
| Model 3 | 32 - 50 | Electric |
| Model Y | 34 - 50 | Electric |
| Model S (2014) | 50 | Electric |
| Model X (2016) | 50 | Electric |
See how Tesla models compare for reliability in our Tesla reliability report.
Every car sold in the UK is assigned to one of 50 insurance groups by Thatcham Research and the ABI. Group 1 typically represents the lowest insurance cost, and group 50 the highest. Insurers generally use these groups as one factor when calculating your premium, alongside your age, location, driving history, and other personal details. For example, the Tesla Model 3 starts at Group 32, while the Model S and Model X sit at Group 50.
Insurance groups set by Thatcham Research and the ABI.
Tesla models typically start at Group 32 (Model 3) and reach Group 50 (Model S and Model X). The entire range sits in the upper half of the Thatcham scale, well above the mainstream electric vehicle average. Expensive battery packs, specialist repairs, and a limited network of approved repair centres all contribute to the higher group ratings.
Insurance groups are only one of several factors. Insurers may also weigh up your age, where you live, your annual mileage, your driving history, and any modifications to the car. Tesla's built-in safety features and low theft rates may work in your favour with some insurers, but the group rating primarily reflects repair costs.
Whether you choose fully comprehensive, third party fire and theft, or third party only cover can also affect your premium. Comprehensive cover is often competitively priced for prestige vehicles.
Comparing quotes is particularly important since some insurers specialise in EV cover and could offer more competitive rates than mainstream providers.
Based on typical Thatcham insurance group ratings, these Tesla models sit in the lowest group bands for the brand and may be worth shortlisting if keeping the premium down is a priority.
1. Model 3 (Groups 32-50)
Typically the cheapest Tesla to insure. Standard Range trims start at Group 32, while Performance trims reach Group 50. Trim choice makes a significant difference to the group rating.
2. Model Y (Groups 34-50)
Tesla's compact SUV starts at Group 34. A practical family choice within the Tesla range with a wide group spread across trims.
3. Model S (Group 50)
Tesla's luxury saloon sits at Group 50 across trims. Very fast, very expensive to repair, and priced to match at the top of the Thatcham scale.
4. Model X (Group 50)
Tesla's large SUV also sits at Group 50. A seven-seat family option at the top of the Thatcham scale.
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Get QuotesA Tesla is unlikely to be a practical first car since the entry point sits at Group 32, and premiums for new drivers on high-group vehicles can be very high. The purchase price also tends to put a Tesla out of reach for most first cars. If you are set on insuring a Tesla as a new driver, the tips below still apply and may help reduce the cost.
A telematics policy could help newer drivers demonstrate safe driving habits, which may lead to lower premiums over time. Not all insurers offer telematics for high-group EVs, so it is worth checking availability first.
If you are aged 17 to 21, see our dedicated young drivers insurance guide for more tips.
Comparing quotes across specialist EV insurers is typically the most useful step for younger drivers looking to insure a Tesla.
Seven practical steps that could help reduce your Tesla insurance premium.
Compare quotes from specialist EV insurers
Prices for a Tesla can vary significantly between insurers. Specialist EV providers may offer more competitive rates than mainstream comparison sites.
Choose Standard Range over Performance
The Model 3 in Standard Range trim starts at Group 32, while Performance trims reach Group 50. Trim choice can make a significant difference to your premium.
Consider the Model 3 or Model Y
The Model 3 (Groups 32-50) and Model Y (Groups 34-50) sit lower than the Model S and Model X. Both are more accessible entry points to the brand.
Fit an approved tracker
Some insurers may offer discounts for approved tracking devices on high-value EVs. Tesla's built-in tracking is not always accepted by insurers, so a Thatcham-approved unit may still be needed.
Consider secure parking
Parking off-street in a garage or on a driveway typically reduces damage risk, which could help lower your premium versus street parking. A home charger installed at the same address is also worth mentioning to insurers.
Increase your voluntary excess
A higher excess typically means a lower premium, but make sure you could afford to pay it if you needed to make a claim. Repair costs on a Tesla can be high.
Pay annually if you can
Monthly instalments could add interest to the overall cost, so paying upfront may save you money over the year.
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