Quick Answer

• Typical full‑coverage premium for a 2026 Tesla Model 3 lease in Los Angeles: ≈ $250 – $300 per month.
• Possible lower bound (minimum liability only): $60 – $90 per month – but a lease usually requires full coverage, so this figure is rarely used.

---

Why the Numbers Vary

Factor	How It Affects the Premium
Coverage level – liability only vs. full (liability + collision + comprehensive)	Full coverage can be 2–3 × the cost of minimum liability.
Deductible amount – higher deductible = lower premium	Drivers who choose a $500 collision deductible often see a $20‑$40 monthly reduction.
Driver profile – age, driving record, credit score	Younger drivers or those with accidents/speeding tickets can pay 30‑50 % more.
Location within LA – downtown vs. suburbs, traffic density, theft rates	Urban hotspots tend to push rates toward the higher end of the range.
Discounts – multi‑policy (auto + home), safe‑driver, Tesla‑specific programs	Stacking discounts can shave $30‑$70 off the monthly bill.
Lease‑owner surcharge – some insurers add a small fee for leased vehicles	Usually only $5‑$15 per month.

---

Data Points From Verified Sources

Source	Reported Figure	Context
Caredge – average annual cost $3,090 → $258 / mo	General Tesla Model 3 average (all U.S.) 3
Insure.com – average annual cost $3,466 → $289 / mo (2026 model) 8
MoneyGeek – minimum coverage $61‑$89 / mo; full coverage ≈ $208 / mo 4
Geico (Southern CA user) – $195 / mo with high coverage & $500 deductible 1
Reddit (Model Y, LA) – $74 / mo (minimal coverage, heavy discounts) 1
Facebook (Model Y, LA) – $140 / mo for a $250k/$500k policy with $500 deductible 5
YouTube poll of SoCal owners – average $195 / mo for high‑coverage Model 3 7
Tesla Insurance (CA) – available but no specific rates published for 2026 Model 3 29

The Model Y numbers are useful as a proxy because the vehicle’s size and repair costs are similar to the Model 3, but the Model 3 is typically a bit cheaper to insure.

---

Putting It All Together

1. Base national average for a 2026 Model 3 is roughly $258‑$289 / mo (full coverage).
2. California adjustment: Premiums in CA are generally 10‑20 % higher than the national average because of higher traffic density, accident rates, and repair costs for EVs. Applying a 15 % uplift gives $297‑$332 / mo.
3. Los Angeles specific anecdote: A real‑world driver in Southern California reports $195 / mo with high coverage, suggesting that with good discounts and a $500 deductible you can land below the adjusted national‑CA estimate.
4. Reasonable range for a lease (full coverage, typical deductible $500): $220‑$300 / mo.
5. Most common “average” you’ll see quoted by insurers and price‑comparison sites: ≈ $250 / mo.

---

How to Get the Most Accurate Quote

1. Gather your personal data (age, driving record, credit score, mileage estimate).
2. Choose coverage limits (most leases require at least the vehicle’s replacement cost plus liability).
3. Shop multiple carriers – Geico, State Farm, Progressive, and Tesla Insurance (which uses vehicle telematics to potentially lower rates).
4. Ask about discounts – multi‑policy, safe‑driver, electric‑vehicle, and any lease‑partner programs.
5. Request a quote for the exact trim (e.g., Standard Range Plus vs. Performance) because higher‑priced trims raise the insured value.

---

Bottom Line

• Typical full‑coverage premium: $250 – $300 per month for a 2026 Tesla Model 3 lease in Los Angeles.
• If you qualify for strong discounts or select a higher deductible: you could see $190 – $220 per month.
• Minimum‑coverage only: $60‑$90 / mo, but not acceptable for most lease agreements.

---