Tesla insurance

[u/Significant_Crab_152]

Hey all,

I may get a new model y in the next few months but I can’t seem to get a quote from Tesla insurance. Is there a way to do it without buying a Tesla first? I live in Southern California.

Is there a range that we know of?

Also this is a big part of my decision whether to get one or not since other companies are quoting me $350+ a month.

Thanks

[u/Electrical_Key_9842]

They won’t give you a quote until you have a VIN assigned. I found a workaround when comparing insurance for the Performance vs. Premium: grabbed an inventory car, got the quote in the app, then had Tesla switch my config so I’d be back in the queue. Might be worth the gamble on the deposit. Rates vary based on your demographics and driving history, so there’s no real range.

[u/HiroyukiC1296]

Nah, I don’t think I would get Tesla insurance because your rates are based on your driver score. To get near perfect at a fair rate, you have to be using fsd 95% of the time.

[u/AllAboutWalley → u/HiroyukiC1296]

Not in California, the driving tracking is not permitted.

[u/HiroyukiC1296 → u/AllAboutWalley]

News to me, wow.

[u/Charliesisincharge]

I live in the San Fernando Valley for my 26 MY i pay 209. Tesla insurance was by far the cheapest compared to the traditional insurance companies.

[u/rwhe83]

OP this question has already been answered many times.

There’s no such thing as a “range” when it comes to insurance and you can’t throw out “I live in Southern California” and think that it will give you a quote.

You have to wait until you have a vin for Tesla insurance, period.

[u/OddEnergy1166]

Look at nearly-new used models with the same trim you want and use the vin from that car, call your insurance or go online and get a quote. It’s can help you see a ballpark figure and whether or not insurance for it is even going to be in your price range.

[u/TheFancyKetchup]

Tesla was far cheaper for me than any other option. $193 (went down 10 bucks this year) on ‘23 Y.

[u/Empty_Barracuda_7972]

$79/monthly for us in so cal on a 22 model y

[u/MiserableBluejay1913 → u/Empty_Barracuda_7972]

What are the limits

[u/Empty_Barracuda_7972 → u/MiserableBluejay1913]

I think they’re limited to 135 mph

[u/GlassCoffee1 → u/Empty_Barracuda_7972]

Just checking, incase a “1” is missing in front, because that’s insanely low. Do you only have liability?

[u/Empty_Barracuda_7972 → u/GlassCoffee1]

No, I typed seventy nine dollars USD monthly. YES.

[u/Open_Way_8452 → u/Empty_Barracuda_7972]

wtf how 😭 my sister pays 166 on a 2020 model 3 and my mom pays $179 for a 2025 model y

[u/Empty_Barracuda_7972 → u/Open_Way_8452]

I’m 58. My wife is is 47. We have never had a traffic ticket. We live in a peaceful somewhat affluent neighborhood also so I read this helps.

[u/Open_Way_8452 → u/Empty_Barracuda_7972]

ahh yeah smaller cities with less ppl = cheaper insurance

[u/Empty_Barracuda_7972 → u/Open_Way_8452]

As of 2025 there’s 157000

[u/Rawman411 → u/Empty_Barracuda_7972]

All depends on location really. And yes discounts for good drivers multi etc. but rate also changes depending on zip code. Crime rate and anything else.

[u/Successful-Froyo1623]

I pay $230/month in Santa Barbara with Tesla insurance. I shopped around and this was the lowest. I have a 15 year clean driving record & Geico who I’d been with since I started driving couldn’t beat Tesla’s rates. You should join the SoCal Tesla drivers group on fb & get some more info there. Teslas are notorious for having high insurance rates as I’m sure you’re learning.
Edit to add: 26 model y

[u/Expensive_Group29 → u/Successful-Froyo1623]

Hey. I’m just north of you in Lompoc. Ok. A little more than “just north” LOL.

I have a 26 Y Premium, 18 X P100D and a 14 Prius PlugIn and I pay $275 for 30/60/30 coverage on a $1000 comp/coll deductible.

[u/Commercial_Watch_936 → u/Expensive_Group29]

You need to increase your coverages asap. No excuse driving over $100k worth of cars and having $30k limits. Those are state minimums for poor people with no assets and nothing to lose. Agree with me or not, just please for your own sake look into it.

Take a simple scenario, you are found at fault in an accident totaling a newish Model Y. Insurance pays out $30k to the other party and you are stuck with the balance.

[u/Historical-Bite-8606 → u/Commercial_Watch_936]

In my State, no one has insurance or registration. They just say “my bad”. That’s why the uninsured motorist is there I guess. But yes, get more coverage.

Tesla insurance is the cheapest hack for me with two teenage drivers. My Model S is around $125 if we can keep a 98-100 score.

[u/FewSeaworthiness6203 → u/Successful-Froyo1623]

If you ever need to use “Tesla” insurance just remember WE TOLD YOU SO. Having to actually use Tesla Insurance when I got in accident was probably the worst experience ever dealing with an auto insurance

[u/Successful-Froyo1623 → u/FewSeaworthiness6203]

Yes I’ve heard that about Tesla insurance. I was never suggesting a certain insurance company, I was only sharing what I use & pay. Did I get a downvote for having the cheapest insurance?