2022 Tesla Model Y Car Insurance Calculator

Get real-time feedback how decisions you make affect car insurance rates for a 2022 Tesla Model Y. Change driver's age, policy discounts, trim level options, and driving record plus many other factors. Find out instantly whether your choice increases or decreases the cost of insurance.

The average estimated car insurance premium for a 2022 Tesla Model Y is $2,532 per year, or about $211 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,532

Cost Per Month

$211

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Tesla Model Y Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2022 Tesla Model Y.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,532
Average Rate
Your Rate
$2,532

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2022 Tesla Model Y trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2022 Tesla Model Y is $2,532.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2022 Tesla Model Y vs. the Midsize SUV Segment

The table below compares insurance rates for the 2022 Tesla Model Y against all other models in the midsize SUV segment. The Tesla Model Y is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Tesla Model Y, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Tesla Model Y.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2022 Tesla Model Y Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Honda Passport$1,716-$816
2Subaru Ascent$1,836-$696
3Ford Edge$1,926-$606
4Subaru Outback$1,962-$570
5Nissan Murano$1,984-$548
6Toyota Venza$1,998-$534
7Ford Explorer$2,010-$522
8Kia Sorento$2,024-$508
9Hyundai Palisade$2,052-$480
10Volkswagen Atlas$2,066-$466
11Toyota 4Runner$2,084-$448
12Mazda CX-9$2,132-$400
13Volkswagen Atlas Cross Sport$2,140-$392
14GMC Acadia$2,148-$384
15Toyota Highlander$2,150-$382
16Nissan Pathfinder$2,160-$372
17Honda Pilot$2,168-$364
18Mitsubishi Outlander Sport$2,176-$356
2022 Midsize SUV Average$2,179-$353
19Buick Enclave$2,190-$342
20Chevrolet Traverse$2,202-$330
21Hyundai Santa Fe$2,230-$302
22Kia Telluride$2,238-$294
23Chevrolet Blazer$2,258-$274
24Ford Bronco$2,304-$228
25Jeep Grand Cherokee$2,356-$176
26Jeep Cherokee$2,414-$118
27Jeep Wrangler$2,448-$84
28Mitsubishi Outlander PHEV$2,480-$52
29Dodge Durango$2,504-$28
30Tesla Model Y$2,532--
31Rivian R1S$2,666$134

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2022 Model Y Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 Tesla Model Y.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2022 Tesla Model Y Insurance Rates by Trim Level
2022 Tesla Model Y Trim Level Annual Premium Cost Per Month
Long Range AWD$2,480$207
Performance AWD$2,584$215

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2022 Tesla Model Y for different driver ages.

2022 Tesla Model Y Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,044$754
17$8,780$732
18$7,900$658
19$7,174$598
20$5,497$458
21$5,244$437
22$4,696$391
23$3,838$320
24$3,633$303
25$2,944$245
30$2,702$225
35$2,600$217
40$2,532$211
45$2,364$197
50$2,236$186
55$2,088$174
60$2,094$175
65$2,236$186
70$2,416$201
75$2,838$237
80$3,502$292

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Tesla Model Y trim levels.