Tesla Model Y Insurance Cost in Missouri
Official 2026 rate study for insuring a Tesla Model Y in Missouri (MO). 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 Missouri (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Missouri Auto Insurance Index)
Tesla Model Y Rates by Model Year in Missouri
Depreciation schedule calculated for Missouri insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $2,074 | $173/mo | $73/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,996 | $166/mo | $73/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,923 | $160/mo | $74/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,854 | $155/mo | $75/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,790 | $149/mo | $76/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,731 | $144/mo | $76/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,675 | $140/mo | $77/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,623 | $135/mo | $78/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,574 | $131/mo | $78/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $1,528 | $127/mo | $79/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $1,485 | $124/mo | $80/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $1,445 | $120/mo | $81/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $1,408 | $117/mo | $81/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $1,373 | $114/mo | $82/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $1,340 | $112/mo | $83/mo | -35% | Consider 10% Rule (Liability Only) |
Tesla Model Y Rates by Driver Age in Missouri
Actuarial loss-cost surcharges and discounts applied by Missouri carriers based on driver experience.
Estimated Quotes by Carrier: Tesla Model Y in Missouri
Sample underwriting benchmarks across major carriers serving Missouri drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $157/mo | $1,884/yr | |
| Progressive | A+ | $187/mo | $2,244/yr | |
| GEICO | A++ | $166/mo | $1,992/yr | |
| Allstate | A+ | $170/mo | $2,040/yr |
Frequently Asked Questions: Tesla Model Y Insurance in Missouri
How much does it cost to insure a Tesla Model Y in Missouri? ▾
Full-coverage car insurance for a Tesla Model Y in Missouri averages approximately $173 per month ($2,074 per year). Drivers opting for statutory state minimum liability (25/50/25) pay approximately $73 per month ($871 per year).
Is Tesla Model Y insurance cheaper or more expensive in Missouri? ▾
The Tesla Model Y is approximately 6.4% more expensive than the statewide average vehicle insurance rate of $1,950/year in Missouri. 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 Missouri? ▾
Under Missouri 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 Missouri? ▾
A 16-year-old teen driver on a standalone policy pays approximately $432/month ($5,185/year) for full coverage in Missouri. 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 Missouri? ▾
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 Missouri, 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.