Tesla Model Y Insurance in Illinois (2026)
Quick Answer
Full coverage for a 2024 Tesla Model Y in Illinois costs $215/month ($2,580/year). Safety rating: 5/5. Theft risk: low.
✓ Updated March 2026✓ Based on state insurance filings
Tesla Model Y Rates by Company in Illinois
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $159/mo | $1,909/yr | Military families |
| Erie Insurance | $170/mo | $2,038/yr | Rate lock guarantee |
| GEICO | $176/mo | $2,116/yr | Clean driving record |
| Progressive | $189/mo | $2,270/yr | Telematics savings |
| State Farm | $196/mo | $2,348/yr | Good students |
| Travelers | $204/mo | $2,451/yr | Multiple discounts |
| Nationwide | $224/mo | $2,683/yr | Bundling home + auto |
| Farmers | $232/mo | $2,786/yr | Signal telematics |
| Allstate | $241/mo | $2,890/yr | Accident forgiveness |
| Liberty Mutual | $254/mo | $3,044/yr | New car replacement |
USAACheapest
Monthly
$159/mo
Annual
$1,909/yr
Best for: Military families
Erie Insurance
Monthly
$170/mo
Annual
$2,038/yr
Best for: Rate lock guarantee
GEICO
Monthly
$176/mo
Annual
$2,116/yr
Best for: Clean driving record
Progressive
Monthly
$189/mo
Annual
$2,270/yr
Best for: Telematics savings
State Farm
Monthly
$196/mo
Annual
$2,348/yr
Best for: Good students
Travelers
Monthly
$204/mo
Annual
$2,451/yr
Best for: Multiple discounts
Nationwide
Monthly
$224/mo
Annual
$2,683/yr
Best for: Bundling home + auto
Farmers
Monthly
$232/mo
Annual
$2,786/yr
Best for: Signal telematics
Allstate
Monthly
$241/mo
Annual
$2,890/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$254/mo
Annual
$3,044/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
✓ No spam calls · ✓ No personal info sold · ✓ Takes 2 minutes
Tesla Model Y Insurance by Age in Illinois
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $594/mo | $7,128/yr |
| 19 years old | $359/mo | $4,310/yr |
| 21 years old | $286/mo | $3,433/yr |
| 25 years old | $188/mo | $2,258/yr |
| 30 years old | $156/mo | $1,866/yr |
| 40 years old | $146/mo | $1,754/yr |
| 50 years old | $142/mo | $1,698/yr |
| 65 years old | $154/mo | $1,847/yr |