Fully comprehensive
✔ Highest level of protection
✔ Injuries and damage to you and your car
✔ Fire and theft
✔ Injuries and damage to others
✔ Legal protection
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Based on fully comprehensive policies for all drivers across the UK.
The Tesla Model Y is relatively inexpensive to run as charging costs for electric cars are generally cheaper than fuel. However from 1st April 2025 you’ll need to pay road tax on electric cars, so things will become a little more expensive in the short term.
Yes, Tesla Model Ys are generally on the pricey side to insure as they typically fall into insurance groups 46 to 50 - the highest of them all. The Model Y has advanced tech, an expensive battery and requires costly repairs, so insurers factor this all in and charge higher premiums.
When you buy car insurance for your Tesla Model Y, you’ll be able to choose from the following types of policy:
Third-party only, which covers you for damage you cause to other people, their vehicles or their property - but not you or your car
Third-party, fire and theft policies add protection for your own car, but only if it’s stolen or damaged by fire or an explosion
A fully comprehensive car insurance policy includes all the above as well as extensive protection for your own vehicle
Some of the factors that impact the cost of your car insurance are difficult to change: your job, where you live, how old you are.
But there are tweaks everyone can make to bring down your premiums. These include:
Increase – or add – a voluntary excess to get cheaper premiums. But make sure you could afford to pay this amount in the event of a claim.
Our research shows this is when you’ll get offered the best renewal quotes and that comparing quotes on this day can save you up to £231[4].
Pay for your car insurance in one go. Annual payments are up to 31% lower than the total cost of monthly instalments, saving you up to £267.
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024.
Convictions and endorsements for speeding or other driving offences will mean paying more for insurance.
Add-ons like breakdown cover cost extra to add to your policy. Cutting out the extras you don't need can reduce your car insurance price.
The more no claims bonus you have, the cheaper your premium will be.
You can reduce the cost of motor insurance by parking your vehicle off the road – such as a secure car park or locked garage – when you're not using it.
Young or inexperienced drivers can reduce premiums by adding an older driver to their policy.
The Tesla Model Y typically falls into insurance groups 46 to 50, making it one of the most expensive makes and models to insure. Cars in the highest insurance groups are often high-value and high-performance, as well as being more expensive to repair - so you’ll need to pay more than average to insure them.
Tesla’s Model Y is an electric car with a powerful motor, as well as advanced driver assistance features and a pricey battery pack, all of which contribute to its high insurance group. If you want to think about alternative electric cars that are cheaper to insure, you could consider things like the Hyundai Kona Electric or the Volkswagen ID.4.
This table shows insurance groups for some common models:
Model | Insurance group |
|---|---|
Tesla Model Y RWD 5d Auto | 46 |
Tesla Model Y Long Range RWD 5d Auto | 45 |
Tesla Model Y Long Range AWD 5d Auto [7 Seat] | 47 |
Tesla Model Y Long Range AWD 5d Auto | 48 |
Tesla Model Y Performance AWD 5d Auto | 50 |
Don't see your car model?
You can choose between three types of car insurance:
✔ Highest level of protection
✔ Injuries and damage to you and your car
✔ Fire and theft
✔ Injuries and damage to others
✔ Legal protection
✔ Injuries and damage to others
✔ Fire damage to your car
✔ Theft of your car
✔ Legal requirement
✔ Injuries and damage to others
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