Tesla Model Y Insurance Cost in Colorado
Official 2026 rate study for insuring a Tesla Model Y in Colorado (CO). Compare full coverage against state minimum liability (25/50/15), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Tesla Model Y in Colorado (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Colorado Auto Insurance Index)
Tesla Model Y Rates by Model Year in Colorado
Depreciation schedule calculated for Colorado insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $2,531 | $211/mo | $89/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $2,436 | $203/mo | $90/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $2,346 | $196/mo | $90/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $2,263 | $189/mo | $91/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $2,185 | $182/mo | $92/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $2,112 | $176/mo | $93/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $2,044 | $170/mo | $94/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,980 | $165/mo | $95/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,920 | $160/mo | $96/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $1,865 | $155/mo | $97/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $1,813 | $151/mo | $97/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $1,764 | $147/mo | $98/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $1,718 | $143/mo | $99/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $1,676 | $140/mo | $100/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $1,636 | $136/mo | $101/mo | -35% | Consider 10% Rule (Liability Only) |
Tesla Model Y Rates by Driver Age in Colorado
Actuarial loss-cost surcharges and discounts applied by Colorado carriers based on driver experience.
Estimated Quotes by Carrier: Tesla Model Y in Colorado
Sample underwriting benchmarks across major carriers serving Colorado drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $215/mo | $2,580/yr | |
| Progressive | A+ | $230/mo | $2,760/yr | |
| GEICO | A++ | $196/mo | $2,352/yr | |
| Allstate | A+ | $226/mo | $2,712/yr |
Frequently Asked Questions: Tesla Model Y Insurance in Colorado
How much does it cost to insure a Tesla Model Y in Colorado? ▾
Full-coverage car insurance for a Tesla Model Y in Colorado averages approximately $211 per month ($2,531 per year). Drivers opting for statutory state minimum liability (25/50/15) pay approximately $89 per month ($1,063 per year).
Is Tesla Model Y insurance cheaper or more expensive in Colorado? ▾
The Tesla Model Y is approximately 6.3% more expensive than the statewide average vehicle insurance rate of $2,380/year in Colorado. Its High actuarial risk classification and 5-star crash safety rating help keep physical damage loss ratios stable.
What are the legal minimum insurance requirements for a Tesla Model Y in Colorado? ▾
Under Colorado insurance statutes, any motor vehicle registered in the state must carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 property damage liability (25/50/15).
How much does a 16-year-old pay to insure a Tesla Model Y in Colorado? ▾
A 16-year-old teen driver on a standalone policy pays approximately $527/month ($6,328/year) for full coverage in Colorado. Parents can substantially lower this surcharge by adding the young driver to a family multi-car policy and submitting good student grade transcripts.
When should I drop full coverage on an older Tesla Model Y in Colorado? ▾
Apply the actuarial 10% Rule: if the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), consider switching to state minimum liability only. In Colorado, this typically occurs around model year 2018 or older.
Compare Tesla Model Y Insurance Across Other States
See how insurance rates for the Tesla Model Y vary across different state statutory jurisdictions.