Tesla Model Y Insurance Cost in Connecticut
Official 2026 rate study for insuring a Tesla Model Y in Connecticut (CT). Compare full coverage against state minimum liability (25/50/25), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Tesla Model Y in Connecticut (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Connecticut Auto Insurance Index)
Tesla Model Y Rates by Model Year in Connecticut
Depreciation schedule calculated for Connecticut insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $2,180 | $182/mo | $76/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $2,098 | $175/mo | $77/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $2,021 | $168/mo | $78/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,949 | $162/mo | $79/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,882 | $157/mo | $79/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,819 | $152/mo | $80/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,761 | $147/mo | $81/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,706 | $142/mo | $82/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,654 | $138/mo | $82/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $1,606 | $134/mo | $83/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $1,561 | $130/mo | $84/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $1,519 | $127/mo | $85/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $1,480 | $123/mo | $86/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $1,444 | $120/mo | $86/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $1,409 | $117/mo | $87/mo | -35% | Consider 10% Rule (Liability Only) |
Tesla Model Y Rates by Driver Age in Connecticut
Actuarial loss-cost surcharges and discounts applied by Connecticut carriers based on driver experience.
Estimated Quotes by Carrier: Tesla Model Y in Connecticut
Sample underwriting benchmarks across major carriers serving Connecticut drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $187/mo | $2,244/yr | |
| Progressive | A+ | $189/mo | $2,268/yr | |
| GEICO | A++ | $191/mo | $2,292/yr | |
| Allstate | A+ | $186/mo | $2,232/yr |
Frequently Asked Questions: Tesla Model Y Insurance in Connecticut
How much does it cost to insure a Tesla Model Y in Connecticut? ▾
Full-coverage car insurance for a Tesla Model Y in Connecticut averages approximately $182 per month ($2,180 per year). Drivers opting for statutory state minimum liability (25/50/25) pay approximately $76 per month ($916 per year).
Is Tesla Model Y insurance cheaper or more expensive in Connecticut? ▾
The Tesla Model Y is approximately 6.3% more expensive than the statewide average vehicle insurance rate of $2,050/year in Connecticut. 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 Connecticut? ▾
Under Connecticut 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 $25,000 property damage liability (25/50/25).
How much does a 16-year-old pay to insure a Tesla Model Y in Connecticut? ▾
A 16-year-old teen driver on a standalone policy pays approximately $454/month ($5,450/year) for full coverage in Connecticut. 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 Connecticut? ▾
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 Connecticut, 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.