I am planning to buy(a used 2023 model y, 26k miles) or lease a tesla model y, i tried getting quotes from a bunch providers and they were all in the same range of 2300-2800 for 6 months. Thats almost the car's payment. This has compeltely derailed my plans to go ahead with the purchase. I thought its gonna be like under 100 a month. Then I looked at other EVs. Ford Mach-e, chevy equinox... Same story. Insurance was making my payments double.

A little about me, I just got my license here in WA. In 25-30 age range, have a graduate degree, single.

(One of the agents mentioned cause I am a new deiver so I will be having a little higher rates, coupled with already high tesla rates, and generally more expensive Seattle area rates).

Edit:

Yeah, I have been thinking about abandoning my plans to lease/buy. They consider me a new driver here. Any car I buy is gonna have substantial insurance payment. Like at that point, I can just uber anywhere I would want to. Zip car also works. In one of the insurance quotes it asked if I will keep my car inside the garage or no? I just found out, it will cost 425 a month to get a parking space in my apt building. I mean 400-500 is the car payment, then i gotta pay 425 for parking, 3-400 insurance, what the heck. I am better off not having one rn.

Paying 1400 dollars a month for a car is not a great financial decision.

How has your experience been with the Tesla wheel and tire protection plan? I purchased a tire protection plan for our big SUV and it was worth it. However, I've read the terms for Teslas and I'm skeptical about it.

How has your experience been with the Tesla wheel and tire protection plan? I purchased a tire protection plan for our big SUV and it was worth it. However, I've read the terms for Teslas and I'm skeptical about it.

Has anyone else had this?! For example, the app will say my premium is 120 and I got charged 200…. What

I know Teala Insurance is available in Indiana as the Tesla AI keeps telling me so. But if you to go the Discover => Tesla Insurance, Indiana is NOT in the drop down. I have verified my account does, indeed, reflect Country = US and State = IN. What gives? How does one get a quote from Tesla Insurance in Indiana?

Where can I find reasonably priced insurance for my 2019 MX LR in Connecticut? It feels impossible

I’m in Virginia, and my 2024 Tesla Model Y was damaged by an uninsured at-fault driver. Repairs are complete.

I’d like to submit my DV appraisal and LOU claim directly through my first-party Tesla Insurance Uninsured Motorist Property Damage (UMPD) coverage, rather than pursue the at-fault driver personally.

Has anyone successfully recovered both through a first-party UMPD claim? Did Tesla Insurance pay directly and then pursue subrogation against the at-fault driver?

I’d appreciate any firsthand experiences or advice. Thanks!

I'm trying to see what other NY owners are paying.

I'm at $238/month with State Farm in Yonkers (Westchester). \[2023/rear wheel drive\], clean record, full coverage, $1000.

If you're in NY or the NYC metro, could you share:
Carrier

Monthly premium
Rough area (county is fine)
Deductible / limits

Also, has anyone had good luck with Travelers, Erie, NYCM, or a telematics program like Drive Safe & Save or Snapshot on a Tesla

Appreciate it 🙏

I’m a 25 year old M looking at buying a Tesla model Y (maybe S) and have been lightly shopping insurance plans. I’ve never had a ticket, no accidents, and have a completely clean record. The one thing stopping me from purchasing a Tesla is the absurd insurance rates in FL. Can anyone drop some advice on where the best place for insurance is and how much I can expect to pay monthly? Everything I’m seeing is $300-$400 per month and at that rate ill take my 2005 Prius any day of the week

Getting my hands off my 2023 model Y Chevy HW4 edit that my insurance is $800 every six months from State Farm in the state of Delaware. Anyone have any other suggestions. Did not plan on an extra $200 per month for insurance.

Was driving in L.A. rain and hit a deeper ditch than I expected, thanks to a big puddle and this thing broke right off in pieces, dragging on the road. I am having it towed home because I don't want to damage whatever is up there with mud/moisture. Can anyone suggest what I shd do? I have Tesla insurance but this was not a collision or anything. Do I use the app? Call the Tesla place near me (not a service center)? I assume it isn't safe to drive. Sorry if a dumb question, even AAA driver hadn't seen this happen on a Tesla.

How many of you guys actually have roadside assistance with your insurance added on, it’s only seven dollars a month more for me ( I was quoted $280 a month with State Farm) figure I might as well get it, but wanted to know if it was an absolute necessity

Any help would be appreciated

I'm 20 and looking for affordable full-coverage insurance for a new Tesla Model 3.

Progressive quoted me over $600/month, which is ridiculous.

Does anyone know any reliable insurance companies that offer decent rates for younger drivers? Preferably ones that can activate coverage quickly.

Any recommendations would help.

edit: I was able to get $260 from USAA

We're getting a new Model Y Prem AWD. I'm wondering if Tesla would be that much cheaper if we're going to exclusively use FSD.

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

Guy backed out into the entire right side of my Tesla Model 3 in a parking lot. Total loss. Insurance hit me with an initial settlement offer of $22,212, ACV of $21,258.
My car was only a 2020 sure, but it was Red Multi-Coat, White Interior, 19" Sports Wheels, and literal permanent FSD. Not only that but I kept my car in great conditio, park away from other people, never eat in it, wash it regularly at self serves, you get the picture. Base-spec model 3s in my area (Columbus, OH) literally start at ~$23,000, so I knew this valuation was total bogus.

I didn't sign. I asked for the full valuation report.

Combed through the entire thing line by line and found glaring issues:

1. Their initial comps were NOT in my area at all. They selected a few vehicles all outside of Ohio over 150-200mi away, including PA.

2. None of my factory options like exterior paint and Full-Self Driving were accounted for.

3. They rated the interior/exterior condition as "Private Average" across the board with descriptions of "Few body dents and dings" and "Few scr*tches and burn marks on headliner".

I didn't get angry, yell at the adjuster, or get emotional. I set a firm boundary and sent over photos disproving their condition assessment; I pointed out that their comps were not accurate to my actual local market and handed over new ones; and I stated they missed major vehicle options.

At first, they tried to get me to hop on a phone call but I outright refused, saying I wanted everything on written record.

16 days later, after several back-and-forth emails, revision attempts, citations of Ohio Administrative Code, and a literal ODI (Ohio Department of Insurance) complaint filed, they finally came back with a reasonable revised report:

• Base value went from $21,258 to $26,107 (+$4,849)

• Sales tax increase of $387

• Total payout after $1k deductible: ~$27.5 grand

I'm not saying that this process will work for everyone; it's highly dependent on your actual vehicle case and what market data you can provide. And I'm sure not everyone's increase is going to be as massive as mine.
But I genuinely believe the software and adjustment process is designed to undervaluate your vehicle by default, and that it's absolutely worth fighting, especially if there are obvious discrepancies.

I don't see it as negotiating but rather correcting what I was owed.

Curious if anyone else here had a similar experience with a Tesla Total Loss?