Tesla Model Y Insurance Cost in Massachusetts
Official 2026 rate study for insuring a Tesla Model Y in Massachusetts (MA). Compare full coverage against state minimum liability (20/40/5), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Tesla Model Y in Massachusetts (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Massachusetts Auto Insurance Index)
Tesla Model Y Rates by Model Year in Massachusetts
Depreciation schedule calculated for Massachusetts insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,755 | $146/mo | $61/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,689 | $141/mo | $62/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,627 | $136/mo | $63/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,569 | $131/mo | $63/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,515 | $126/mo | $64/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,464 | $122/mo | $65/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,417 | $118/mo | $65/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,373 | $114/mo | $66/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,332 | $111/mo | $66/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $1,293 | $108/mo | $67/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $1,257 | $105/mo | $68/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $1,223 | $102/mo | $68/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $1,191 | $99/mo | $69/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $1,162 | $97/mo | $69/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $1,134 | $95/mo | $70/mo | -35% | Consider 10% Rule (Liability Only) |
Tesla Model Y Rates by Driver Age in Massachusetts
Actuarial loss-cost surcharges and discounts applied by Massachusetts carriers based on driver experience.
Estimated Quotes by Carrier: Tesla Model Y in Massachusetts
Sample underwriting benchmarks across major carriers serving Massachusetts drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $146/mo | $1,752/yr | |
| Progressive | A+ | $136/mo | $1,632/yr | |
| GEICO | A++ | $152/mo | $1,824/yr | |
| Allstate | A+ | $139/mo | $1,668/yr |
Frequently Asked Questions: Tesla Model Y Insurance in Massachusetts
How much does it cost to insure a Tesla Model Y in Massachusetts? ▾
Full-coverage car insurance for a Tesla Model Y in Massachusetts averages approximately $146 per month ($1,755 per year). Drivers opting for statutory state minimum liability (20/40/5) pay approximately $61 per month ($737 per year).
Is Tesla Model Y insurance cheaper or more expensive in Massachusetts? ▾
The Tesla Model Y is approximately 6.4% more expensive than the statewide average vehicle insurance rate of $1,650/year in Massachusetts. 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 Massachusetts? ▾
Under Massachusetts insurance statutes, any motor vehicle registered in the state must carry at least $20,000 bodily injury per person, $40,000 bodily injury per accident, and $5,000 property damage liability (20/40/5), plus mandatory Personal Injury Protection (PIP) of at least $8,000.
How much does a 16-year-old pay to insure a Tesla Model Y in Massachusetts? ▾
A 16-year-old teen driver on a standalone policy pays approximately $366/month ($4,388/year) for full coverage in Massachusetts. 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 Massachusetts? ▾
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 Massachusetts, 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.