How much does Tesla Model Y insurance cost per month?

The national average for full coverage Tesla Model Y insurance is approximately $182/month or $2,184/year. Actual rates vary significantly based on driver age, location, driving record, credit score, and coverage level.

What affects Tesla Model Y insurance rates?

Key factors include the vehicle's MSRP, repair costs, theft rates, safety ratings, your driving history, location, and chosen coverage limits. Tesla Model Y typically insures at above average rates due to its vehicle profile.

Is Tesla Model Y expensive to insure?

At an estimated $182/month for full coverage, the Tesla Model Y is above the national average of approximately $167/month. Always get 3+ quotes from licensed insurers for accurate personalized pricing.

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Tesla Model Y Insurance
Cost Per Month (2026 Guide)

How much does Tesla Model Y insurance cost in 2026? The average full-coverage premium is $202/month — but your actual rate depends heavily on your age, location, and driving history. Here's everything you need to know.

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Model Y insurance runs 18% higher than the national SUV average — almost entirely because of one thing: what happens when that battery gets hit.

Tesla Model Y InsuranceCost Per Month (2026 Guide)

Tesla Model Y Insurance
Cost Per Month (2026 Guide)