Tesla的保险怎么这么贵？？

[aichitang]

我记得以前一直有人说特斯拉的保险贵，但每次都有很多人出来说自己的特斯拉保险比油车还便宜，所以我一直的印象是特斯拉的保险便宜。

最近在给家里看第二辆车，所以也在看随便看看第二辆车的保险需要加多少。
我当前的保险是GEICO，所以我就在GEICO的网页上试着QUOTE加第二辆车，下面是我QUOTE的数据：

911: $1,393.12
model3: $1,223.08
modely: $1146.27
etron: $874.90
polestar2: $761.56
lyriq: $756.28
ioniq: $678.09

我非常惊讶，菜车MODEL3的保险都快赶上911了，是跟它同价位的ioniq的快两倍了。
我有点不信，就上网上查，结果很多报道提到TESLA的保险高：https://www.forbes.com/advisor/car-insu ... to-insure/。
我又想到以前有人说买特斯拉自己的保险，我打开特斯拉的APP一看，没找到NJ。是不是特斯拉保险不支持NJ保险？
怎么特斯拉的保险跟别的车差这么多？

下面是我QUOTE的数据。顺便问一下，这个网站怎么上传附近？没有这功能？
Policy Coverage
The below coverages apply across all vehicles. For specific details, consult your policy contract.
Bodily Injury Liability: $250,000/$500,000
Property Damage Liability: $100,000
Personal Injury Protection - Personal Injury Protection Primary: Option Y $250,000/$2,500 Ded.
Uninsured Motorist & Underinsured Motorist: $250,000/$500,000
Uninsured Motorist & Underinsured Motorist PD: $100,000/$500 Ded.
Tort: Limited Tort

2024 TESLA MODEL Y
The below coverages apply to this specific vehicle.
Comprehensive (Excluding Collision): $1,000 Ded.
Collision: $1,000 Ded.
Emergency Road Service: I Accept This Coverage
Rental Reimbursement: $75/day, $2,250max
Mechanical Breakdown Insurance: $250 Ded.

[geniushanbiao]

你信那些无脑特粉的就等着吃亏上当受骗吧。特斯拉这个车修起来特别贵，保险便宜的话保险公司就要吃大亏了。

[wolf_north_1234]

我记得以前一直有人说特斯拉的保险贵，但每次都有很多人出来说自己的特斯拉保险比油车还便宜，所以我一直的印象是特斯拉的保险便宜。

最近在给家里看第二辆车，所以也在看随便看看第二辆车的保险需要加多少。
我当前的保险是GEICO，所以我就在GEICO的网页上试着QUOTE加第二辆车，下面是我QUOTE的数据：

911: $1,393.12
model3: $1,223.08
modely: $1146.27
etron: $874.90
polestar2: $761.56
lyriq: $756.28
ioniq: $678.09

我非常惊讶，菜车MODEL3的保险都快赶上911了，是跟它同价位的ioniq的快两倍了。
我有点不信，就上网上查，结果很多报道提到TESLA的保险高：https://www.forbes.com/advisor/car-insu ... to-insure/。
我又想到以前有人说买特斯拉自己的保险，我打开特斯拉的APP一看，没找到NJ。是不是特斯拉保险不支持NJ保险？
怎么特斯拉的保险跟别的车差这么多？

下面是我QUOTE的数据。顺便问一下，这个网站怎么上传附近？没有这功能？
Policy Coverage
The below coverages apply across all vehicles. For specific details, consult your policy contract.
Bodily Injury Liability: $250,000/$500,000
Property Damage Liability: $100,000
Personal Injury Protection - Personal Injury Protection Primary: Option Y $250,000/$2,500 Ded.
Uninsured Motorist & Underinsured Motorist: $250,000/$500,000
Uninsured Motorist & Underinsured Motorist PD: $100,000/$500 Ded.
Tort: Limited Tort

2024 TESLA MODEL Y
The below coverages apply to this specific vehicle.
Comprehensive (Excluding Collision): $1,000 Ded.
Collision: $1,000 Ded.
Emergency Road Service: I Accept This Coverage
Rental Reimbursement: $75/day, $2,250max
Mechanical Breakdown Insurance: $250 Ded.

最近在给家里看第二辆车，


衷心劝告，勿买EV.

[YouHi]

Rivian保险更贵。

上次有一辆rear quarter panel稍微撞变形。修起来三万。是车价的四分之一。

[wdmm]

最近在给家里看第二辆车，


衷心劝告，勿买EV.

为啥？

[YouHi]

为啥？

保险贵

[YouHi]

我记得以前一直有人说特斯拉的保险贵，但每次都有很多人出来说自己的特斯拉保险比油车还便宜，所以我一直的印象是特斯拉的保险便宜。

最近在给家里看第二辆车，所以也在看随便看看第二辆车的保险需要加多少。
我当前的保险是GEICO，所以我就在GEICO的网页上试着QUOTE加第二辆车，下面是我QUOTE的数据：

911: $1,393.12
model3: $1,223.08
modely: $1146.27
etron: $874.90
polestar2: $761.56
lyriq: $756.28
ioniq: $678.09

我非常惊讶，菜车MODEL3的保险都快赶上911了，是跟它同价位的ioniq的快两倍了。
我有点不信，就上网上查，结果很多报道提到TESLA的保险高：https://www.forbes.com/advisor/car-insu ... to-insure/。
我又想到以前有人说买特斯拉自己的保险，我打开特斯拉的APP一看，没找到NJ。是不是特斯拉保险不支持NJ保险？
怎么特斯拉的保险跟别的车差这么多？

下面是我QUOTE的数据。顺便问一下，这个网站怎么上传附近？没有这功能？
Policy Coverage
The below coverages apply across all vehicles. For specific details, consult your policy contract.
Bodily Injury Liability: $250,000/$500,000
Property Damage Liability: $100,000
Personal Injury Protection - Personal Injury Protection Primary: Option Y $250,000/$2,500 Ded.
Uninsured Motorist & Underinsured Motorist: $250,000/$500,000
Uninsured Motorist & Underinsured Motorist PD: $100,000/$500 Ded.
Tort: Limited Tort

2024 TESLA MODEL Y
The below coverages apply to this specific vehicle.
Comprehensive (Excluding Collision): $1,000 Ded.
Collision: $1,000 Ded.
Emergency Road Service: I Accept This Coverage
Rental Reimbursement: $75/day, $2,250max
Mechanical Breakdown Insurance: $250 Ded.

这是半年还是一年的保险费¿

[wolf_north_1234]

为啥？

If u value your money, buy an economic small gasoline car, maintain it well and drive it trouble free for 20 years and 200 plus thousands miles.

[Zephyrca]

你信那些无脑特粉的就等着吃亏上当受骗吧。特斯拉这个车修起来特别贵，保险便宜的话保险公司就要吃大亏了。

没错，我也是坚决不买Tesla的，EV也不会考虑，油车开到退休

[Bluesky]

保险公司是要赚钱的。Tesla保险贵说明综合风险比其他的车高呗。
每个人情况不一样，有些人就是看重Tesla的驾驶体验，那就多付些钱交保险。
如果就是个日常代步工具，那么可靠小油车开一辈子也是可以考虑的。

[geniushanbiao]

这里有一篇NAIC(National Association of Insurance Commissioners)的文章可以参考。
https://content.naic.org/cipr-topics/el ... 0Model%203.

“On average, EVs cost up to $44 more to insure per month than gas-powered vehicles, with the most expensive to insure being Tesla’s Model Y and Model 3.”

“There are several reasons behind this increase in cost, including scarcity of repair shops, costlier repairs, battery fires, pedestrian safety due to quietness, cybersecurity threats, and automated driving features (when applicable). ”

“While the fire risk of electric vehicles is lower than that of ICE and hybrid vehicles, the complexity of the fire and repair is more extensive.”

[aaabbb_11]

在加州tesla自己的保险是最便宜的 比其他保险公司便宜一半还多

[YouHi]

这里有一篇NAIC(National Association of Insurance Commissioners)的文章可以参考。
https://content.naic.org/cipr-topics/el ... 0Model%203.

“On average, EVs cost up to $44 more to insure per month than gas-powered vehicles, with the most expensive to insure being Tesla’s Model Y and Model 3.”

“There are several reasons behind this increase in cost, including scarcity of repair shops, costlier repairs, battery fires, pedestrian safety due to quietness, cybersecurity threats, and automated driving features (when applicable). ”

“While the fire risk of electric vehicles is lower than that of ICE and hybrid vehicles, the complexity of the fire and repair is more extensive.”

这里说"fire risk of electric vehicles is lower than that of ICE and hybrid vehicles"... interesting...

[drifter]

这里说"fire risk of electric vehicles is lower than that of ICE and hybrid vehicles"... interesting...

路上很多20年的油车跑得欢

[myeclipse]

试试tesla自己的保险。ev的保险overall都贵，不过传统大厂的ev似乎是便宜点。

[aichitang]

我上网一查，REDDIT上很多人说有的保险公司把特斯拉放到黑名单了。。。

然后我十分不理解有的人说“特斯拉的保险便宜，你看我买到了多么多么便宜的保险”。这个论断意义不大。

你的保险便宜不代表你的车保险便宜，有可能是因为你买的险额低，也有可能是你换了家便宜的公司。
譬如我的车：如果我把LIABILITY降了，把Uninsured Motorist取消了，把DEDUTABLE升高了，我每个月能省70%的保险。

我觉得要比较保险，只能像我这样比较：同一家公司，同一个人，同样的险额，然后唯一的变数就是车。
另外我在NJ，买不了特斯拉官方保险。

[myeclipse]

似乎是真的。身边有2个朋友的MY今年保险到期不给renew，farmers的，坐标南加。rivian倒是可以，就是贵，大概3000一年。

我上网一查，REDDIT上很多人说有的保险公司把特斯拉放到黑名单了。。。

然后我十分不理解有的人说“特斯拉的保险便宜，你看我买到了多么多么便宜的保险”。这个论断意义不大。

你的保险便宜不代表你的车保险便宜，有可能是因为你买的险额低，也有可能是你换了家便宜的公司。
譬如我的车：如果我把LIABILITY降了，把Uninsured Motorist取消了，把DEDUTABLE升高了，我每个月能省70%的保险。

我觉得要比较保险，只能像我这样比较：同一家公司，同一个人，同样的险额，然后唯一的变数就是车。
另外我在NJ，买不了特斯拉官方保险。

[malta]

似乎是真的。身边有2个朋友的MY今年保险到期不给renew，farmers的，坐标南加。rivian倒是可以，就是贵，大概3000一年。

我擦，3000一年，省那点油钱都交保险了，电车的意义何在啊。再考虑到二手贬值率的差别，恐怕也不会有人去买5年以上的rivian二手车，买电车绝对是赔本买卖

[YouHi]

我擦，3000一年，省那点油钱都交保险了，电车的意义何在啊。再考虑到二手贬值率的差别，恐怕也不会有人去买5年以上的rivian二手车，买电车绝对是赔本买卖

Beta testing for the rest of us. 要感激。

[ferrygao]

Beta testing for the rest of us. 要感激。

真爱啊