Tesla Model Y Insurance in New York (2026)
Quick Answer
Full coverage for a 2024 Tesla Model Y in New York costs $443/month ($5,310/year). Safety rating: 5/5. Theft risk: low.
✓ Updated March 2026✓ Based on state insurance filings
Tesla Model Y Rates by Company in New York
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $327/mo | $3,929/yr | Military families |
| Erie Insurance | $350/mo | $4,195/yr | Rate lock guarantee |
| GEICO | $363/mo | $4,354/yr | Clean driving record |
| Progressive | $389/mo | $4,673/yr | Telematics savings |
| State Farm | $403/mo | $4,832/yr | Good students |
| Travelers | $420/mo | $5,045/yr | Multiple discounts |
| Nationwide | $460/mo | $5,522/yr | Bundling home + auto |
| Farmers | $478/mo | $5,735/yr | Signal telematics |
| Allstate | $496/mo | $5,947/yr | Accident forgiveness |
| Liberty Mutual | $522/mo | $6,266/yr | New car replacement |
USAACheapest
Monthly
$327/mo
Annual
$3,929/yr
Best for: Military families
Erie Insurance
Monthly
$350/mo
Annual
$4,195/yr
Best for: Rate lock guarantee
GEICO
Monthly
$363/mo
Annual
$4,354/yr
Best for: Clean driving record
Progressive
Monthly
$389/mo
Annual
$4,673/yr
Best for: Telematics savings
State Farm
Monthly
$403/mo
Annual
$4,832/yr
Best for: Good students
Travelers
Monthly
$420/mo
Annual
$5,045/yr
Best for: Multiple discounts
Nationwide
Monthly
$460/mo
Annual
$5,522/yr
Best for: Bundling home + auto
Farmers
Monthly
$478/mo
Annual
$5,735/yr
Best for: Signal telematics
Allstate
Monthly
$496/mo
Annual
$5,947/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$522/mo
Annual
$6,266/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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Tesla Model Y Insurance by Age in New York
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $1,222/mo | $14,669/yr |
| 19 years old | $739/mo | $8,870/yr |
| 21 years old | $589/mo | $7,066/yr |
| 25 years old | $387/mo | $4,646/yr |
| 30 years old | $320/mo | $3,840/yr |
| 40 years old | $301/mo | $3,610/yr |
| 50 years old | $291/mo | $3,494/yr |
| 65 years old | $317/mo | $3,802/yr |