Tesla Model Y Insurance in Washington
Rates from $44 – $73/mo minimum coverage, $170 – $283/mo full coverage. Compare top WA carriers below.
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Updated June 2026 · Source: Washington DOI + IQ rate model
Average monthly premium — 2024 Tesla Model Y, Washington
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Tesla Model Y drivers in Washington
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Tesla Model Y insurance costs what it does in Washington
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
No theft-rank surcharge on comprehensive premium.
High parts and labor costs raise collision premiums materially.
Washington requires 25/50/10 liability minimums. Credit-based scoring was temporarily banned by emergency rule in 2021-2022 but reinstated in 2023. Seattle premiums are ~25% above the state average; Eastern Washington is much cheaper.
Frequently asked questions
01How much is Tesla Model Y insurance in Washington?
Washington drivers of a 2024 Tesla Model Y pay about $170 – $283 per month for full coverage, or roughly $44 – $73 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Model Y?
Yes. If your Model Y has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Washington law itself only requires the state liability minimums (25/50/10), but the lender's contract overrides that.
03What's the cheapest carrier for a Model Y in Washington?
Cheapest varies by driver profile, but in Washington the major carriers most often quoting the lowest premiums for a Model Y are GEICO, Progressive, and State Farm. Regional carriers (PEMCO and Mutual of Enumclaw) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Are EVs like the Model Y more expensive to insure in Washington?
Yes, noticeably. EVs cost 20-40% more to insure than equivalent gas vehicles in most states, Washington included, primarily due to battery-pack replacement cost and a thinner repair network. The premium gap is narrowing each year as more shops are certified on EV repair.
05Does Washington require SR-22 after a DUI for a Model Y?
After a DUI, Washington requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Model Y typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.