Tesla Model 3 Insurance Cost in Maine
Official 2026 rate study for insuring a Tesla Model 3 in Maine (ME). Compare full coverage against state minimum liability (50/100/25), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Tesla Model 3 in Maine (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Maine Auto Insurance Index)
Tesla Model 3 Rates by Model Year in Maine
Depreciation schedule calculated for Maine insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,329 | $111/mo | $47/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,279 | $107/mo | $47/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,232 | $103/mo | $47/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,188 | $99/mo | $48/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,147 | $96/mo | $48/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,109 | $92/mo | $49/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,073 | $89/mo | $49/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,040 | $87/mo | $50/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,008 | $84/mo | $50/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $979 | $82/mo | $51/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $952 | $79/mo | $51/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $926 | $77/mo | $52/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $902 | $75/mo | $52/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $880 | $73/mo | $53/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $859 | $72/mo | $53/mo | -35% | Consider 10% Rule (Liability Only) |
Tesla Model 3 Rates by Driver Age in Maine
Actuarial loss-cost surcharges and discounts applied by Maine carriers based on driver experience.
Estimated Quotes by Carrier: Tesla Model 3 in Maine
Sample underwriting benchmarks across major carriers serving Maine drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $117/mo | $1,404/yr | |
| Progressive | A+ | $104/mo | $1,248/yr | |
| GEICO | A++ | $121/mo | $1,452/yr | |
| Allstate | A+ | $119/mo | $1,428/yr |
Frequently Asked Questions: Tesla Model 3 Insurance in Maine
How much does it cost to insure a Tesla Model 3 in Maine? ▾
Full-coverage car insurance for a Tesla Model 3 in Maine averages approximately $111 per month ($1,329 per year). Drivers opting for statutory state minimum liability (50/100/25) pay approximately $47 per month ($558 per year).
Is Tesla Model 3 insurance cheaper or more expensive in Maine? ▾
The Tesla Model 3 is approximately 3.8% more expensive than the statewide average vehicle insurance rate of $1,280/year in Maine. Its High actuarial risk classification and 5-star crash safety rating help keep physical damage loss ratios stable.
What are the legal minimum insurance requirements for a Tesla Model 3 in Maine? ▾
Under Maine insurance statutes, any motor vehicle registered in the state must carry at least $50,000 bodily injury per person, $100,000 bodily injury per accident, and $25,000 property damage liability (50/100/25).
How much does a 16-year-old pay to insure a Tesla Model 3 in Maine? ▾
A 16-year-old teen driver on a standalone policy pays approximately $277/month ($3,323/year) for full coverage in Maine. Parents can substantially lower this surcharge by adding the young driver to a family multi-car policy and submitting good student grade transcripts.
When should I drop full coverage on an older Tesla Model 3 in Maine? ▾
Apply the actuarial 10% Rule: if the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), consider switching to state minimum liability only. In Maine, this typically occurs around model year 2018 or older.
Compare Tesla Model 3 Insurance Across Other States
See how insurance rates for the Tesla Model 3 vary across different state statutory jurisdictions.