Tesla Model Y Insurance in Texas (2026)
Quick Answer
Full coverage for a 2024 Tesla Model Y in Texas costs $279/month ($3,352/year). Safety rating: 5/5. Theft risk: low.
✓ Updated March 2026✓ Based on state insurance filings
Tesla Model Y Rates by Company in Texas
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $207/mo | $2,480/yr | Military families |
| Erie Insurance | $221/mo | $2,648/yr | Rate lock guarantee |
| GEICO | $229/mo | $2,749/yr | Clean driving record |
| Progressive | $246/mo | $2,950/yr | Telematics savings |
| State Farm | $254/mo | $3,050/yr | Good students |
| Travelers | $265/mo | $3,184/yr | Multiple discounts |
| Nationwide | $291/mo | $3,486/yr | Bundling home + auto |
| Farmers | $302/mo | $3,620/yr | Signal telematics |
| Allstate | $313/mo | $3,754/yr | Accident forgiveness |
| Liberty Mutual | $330/mo | $3,955/yr | New car replacement |
USAACheapest
Monthly
$207/mo
Annual
$2,480/yr
Best for: Military families
Erie Insurance
Monthly
$221/mo
Annual
$2,648/yr
Best for: Rate lock guarantee
GEICO
Monthly
$229/mo
Annual
$2,749/yr
Best for: Clean driving record
Progressive
Monthly
$246/mo
Annual
$2,950/yr
Best for: Telematics savings
State Farm
Monthly
$254/mo
Annual
$3,050/yr
Best for: Good students
Travelers
Monthly
$265/mo
Annual
$3,184/yr
Best for: Multiple discounts
Nationwide
Monthly
$291/mo
Annual
$3,486/yr
Best for: Bundling home + auto
Farmers
Monthly
$302/mo
Annual
$3,620/yr
Best for: Signal telematics
Allstate
Monthly
$313/mo
Annual
$3,754/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$330/mo
Annual
$3,955/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 Texas
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $772/mo | $9,260/yr |
| 19 years old | $467/mo | $5,599/yr |
| 21 years old | $372/mo | $4,460/yr |
| 25 years old | $244/mo | $2,933/yr |
| 30 years old | $202/mo | $2,424/yr |
| 40 years old | $190/mo | $2,279/yr |
| 50 years old | $184/mo | $2,206/yr |
| 65 years old | $200/mo | $2,400/yr |