How much is Tesla Model Y insurance per month?

Tesla Model Y insurance averages $157/month nationally ($1,890/year). Rates vary significantly: California averages $198/month, New York $248/month, and Texas $145/month.

Model Y vs Model 3 — which is cheaper to insure?

Model 3 is typically $100-$200/year cheaper to insure than Model Y due to its lower MSRP and sedan classification. However, the difference varies by insurer and state.

What is gap insurance and does my Model Y need it?

GAP insurance pays the difference between your loan balance and what your insurer pays if the car is totaled. EVs depreciate significantly in the first 2 years — GAP is recommended if you financed the Model Y with less than 20% down.

Does the Model Y's panoramic glass roof affect insurance?

Not directly. However, glass damage claims (hail, debris) are more expensive to repair on the Model Y's large glass roof. Comprehensive coverage with a low glass deductible is recommended.

Can I insure a Tesla on a regular auto policy?

Yes. All major auto insurers (GEICO, Progressive, State Farm, Allstate) cover Tesla vehicles. However, Tesla's own insurance may be cheaper if you live in one of the 12 eligible states and have a good Safety Score.

How much is Tesla Model Y insurance per month?

Tesla Model Y insurance averages $157/month nationally ($1,890/year). Rates vary significantly: California averages $198/month, New York $248/month, and Texas $145/month.

Model Y vs Model 3 — which is cheaper to insure?

Model 3 is typically $100-$200/year cheaper to insure than Model Y due to its lower MSRP and sedan classification. However, the difference varies by insurer and state.

What is gap insurance and does my Model Y need it?

GAP insurance pays the difference between your loan balance and what your insurer pays if the car is totaled. EVs depreciate significantly in the first 2 years — GAP is recommended if you financed the Model Y with less than 20% down.

Does the Model Y's panoramic glass roof affect insurance?

Not directly. However, glass damage claims (hail, debris) are more expensive to repair on the Model Y's large glass roof. Comprehensive coverage with a low glass deductible is recommended.

Can I insure a Tesla on a regular auto policy?

Yes. All major auto insurers (GEICO, Progressive, State Farm, Allstate) cover Tesla vehicles. However, Tesla's own insurance may be cheaper if you live in one of the 12 eligible states and have a good Safety Score.

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Tesla Model Y Insurance in California: Rates & Coverage Guide

The Tesla Model Y became the best-selling vehicle in America in 2023. As an SUV, it commands higher insurance than the Model 3. The Model Y's dual-motor AWD and larger footprint increase both purchase price and repair complexity.

California Avg: $2,380/yr75 kWh · 330 mi rangeUpdated July 2026

Tesla

2024 Model Year

California

Key Facts: Tesla Model Y Insurance

Model Y is America's best-selling vehicle — large insurer data pool means more accurate pricing
SUV/crossover classification means higher premiums than sedan Model 3
Structural battery pack design means even minor underbody damage can require pack replacement
Model Y theft rates are declining as GPS tracking improves recovery rates

Tesla Model Y Insurance Calculator — California

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EV Insurance Calculator — Tesla Model Y

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MSRP: $45,990

75 kWh battery

330 mi range

Tesla Supercharger / J1772

Repair cost: high

Coverage Type

Annual Mileage

State

Driver Age35 yrs

Driving Experience (NCB years)8 yrs

EV-Specific Add-ons

Battery Replacement Coverage

+$240/yr

Home Charging Equipment

+$135/yr

GAP Insurance

+$322/yr

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Tesla Model Y Insurance Costs in California

$2,380/yr

California Avg

$45,990

Starting MSRP

75 kWh

Battery Capacity

330 mi

EPA Range

Tesla Model Y Insurance Tips

Model Y is America's best-selling vehicle — large insurer data pool means more accurate pricing

SUV/crossover classification means higher premiums than sedan Model 3

Structural battery pack design means even minor underbody damage can require pack replacement

Model Y theft rates are declining as GPS tracking improves recovery rates

Tesla Model Y Insurance Rates by State

FAQs: Tesla Model Y Insurance in California

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Disclaimer: Insurance rates shown are averages for informational purposes. Actual rates vary based on driver profile, credit score, coverage levels, and insurer. Get quotes from multiple insurers for your specific situation.