Tesla Model Y Insurance Cost in Louisiana
Official 2026 rate study for insuring a Tesla Model Y in Louisiana (LA). Compare full coverage against state minimum liability (15/30/25), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Tesla Model Y in Louisiana (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Louisiana Auto Insurance Index)
Tesla Model Y Rates by Model Year in Louisiana
Depreciation schedule calculated for Louisiana insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $3,212 | $268/mo | $112/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $3,091 | $258/mo | $114/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $2,978 | $248/mo | $115/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $2,872 | $239/mo | $116/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $2,773 | $231/mo | $117/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $2,680 | $223/mo | $118/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $2,594 | $216/mo | $119/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $2,513 | $209/mo | $120/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $2,437 | $203/mo | $121/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $2,366 | $197/mo | $123/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $2,300 | $192/mo | $124/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $2,238 | $187/mo | $125/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $2,181 | $182/mo | $126/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $2,127 | $177/mo | $127/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $2,076 | $173/mo | $128/mo | -35% | Consider 10% Rule (Liability Only) |
Tesla Model Y Rates by Driver Age in Louisiana
Actuarial loss-cost surcharges and discounts applied by Louisiana carriers based on driver experience.
Estimated Quotes by Carrier: Tesla Model Y in Louisiana
Sample underwriting benchmarks across major carriers serving Louisiana drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $241/mo | $2,892/yr | |
| Progressive | A+ | $281/mo | $3,372/yr | |
| GEICO | A++ | $241/mo | $2,892/yr | |
| Allstate | A+ | $265/mo | $3,180/yr |
Frequently Asked Questions: Tesla Model Y Insurance in Louisiana
How much does it cost to insure a Tesla Model Y in Louisiana? ▾
Full-coverage car insurance for a Tesla Model Y in Louisiana averages approximately $268 per month ($3,212 per year). Drivers opting for statutory state minimum liability (15/30/25) pay approximately $112 per month ($1,349 per year).
Is Tesla Model Y insurance cheaper or more expensive in Louisiana? ▾
The Tesla Model Y is approximately 6.4% more expensive than the statewide average vehicle insurance rate of $3,020/year in Louisiana. 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 Louisiana? ▾
Under Louisiana insurance statutes, any motor vehicle registered in the state must carry at least $15,000 bodily injury per person, $30,000 bodily injury per accident, and $25,000 property damage liability (15/30/25).
How much does a 16-year-old pay to insure a Tesla Model Y in Louisiana? ▾
A 16-year-old teen driver on a standalone policy pays approximately $669/month ($8,030/year) for full coverage in Louisiana. 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 Louisiana? ▾
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 Louisiana, 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.