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TESLA MODEL Y 2022 Car Insurance

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The 2022 Tesla Model Y is a compact electric SUV combining generous range, advanced onboard technology, and brisk acceleration. It appeals to urban and family drivers looking to go electric without sacrificing space or performance.

TESLA MODEL Y 2022 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the 2022 Tesla Model Y fluctuate significantly, moving from $2060 to $2611, dipping to $2295, then climbing to $3517 and $3770, before easing slightly to $3397. This volatility reflects the high repair costs typical of electric vehicles and the rapidly evolving insurance market for this segment.

To find the best insurance for your TESLA MODEL Y 2022 vehicle, it is more important than ever to compare the available options.

How much does insurance for your TESLA MODEL Y 2022 cost in Quebec?

Premiums are highest for the 2022 Model Y in Saguenay ($6070), Montreal ($5327), and Sherbrooke ($4344), while Drummondville ($2329) and Repentigny ($2426) show the lowest amounts. The gap between cities is particularly pronounced for this model.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
BROSSARD $2890.42
DRUMMONDVILLE $2328.66
GATINEAU $3819.73
LAVAL $3176.01
LÉVIS $3083.32
LONGUEUIL $3110.70
MONTRÉAL $4582.31
QUÉBEC $2806.50
REPENTIGNY $2426.33
Saguenay $6070.34
SAINT-JEAN-SUR-RICHELIEU $3084.13
SAINT-JÉRÔME $3400
SHERBROOKE $4344.16
TERREBONNE $2443.33
TROIS-RIVIÈRES $2806.36

Frequently asked questions (FAQ)

How much does insurance cost for a 2022 Tesla Model Y?
The average premium varies considerably by reference year, reaching $3397 in 2026 after peaking at $3770 in 2025, compared to $2060 in 2021.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Why did the 2022 Model Y premium fluctuate so much?
High repair costs for electric vehicles, limited availability of specialized parts, and shifts in the insurance market explain the swings, from $2060 in 2021 to $3770 in 2025.
Which city offers the lowest insurance cost for a 2022 Model Y?
Based on the data provided, Drummondville ($2329) and Repentigny ($2426) show the lowest average premiums for this model.
Why does Saguenay show the highest premium?
At $6070, Saguenay stands out significantly from other cities, which may reflect regional factors such as limited availability of EV-specialized repair shops or a different claims history.
Are electric vehicles more expensive to insure than an equivalent gas vehicle?
Generally yes, due to the high cost of batteries and specialized parts. The 2022 Model Y illustrates this well, with premiums often exceeding $3000 in several cities.
How can I reduce the insurance premium for a Tesla Model Y?
Comparing quotes from several insurers, checking for electric-vehicle discounts, and bundling policies can help limit costs for this type of vehicle.

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 08/14/2026

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