TESLA MODEL Y 2026 Car Insurance

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The 2026 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 blend performance, connectivity, and the shift to electric.

TESLA MODEL Y 2026 CAR INSURANCE RATES SINCE 2025.

Since the 2026 Tesla Model Y is a recent model, only two years of data are available. The average premium drops from $4252 in 2025 to $3376 in 2026, a notable decrease of about 21%. More data will be needed to confirm a long-term trend.

To find the best insurance for your TESLA MODEL Y 2026 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your TESLA MODEL Y 2026

How much does insurance for your TESLA MODEL Y 2026 cost in Quebec?

Premiums are highest for the Model Y in Montreal ($5925), Laval ($4364), and Brossard ($4015), while Repentigny ($2637), Saint-Jean-sur-Richelieu ($2670), and Sherbrooke ($2781) show the lowest amounts. The gap between cities remains very pronounced.

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	$4014.88
DRUMMONDVILLE	$3072.20
GATINEAU	$3543.19
LAVAL	$4364.00
LÉVIS	$3805.02
LONGUEUIL	$2989.51
MONTRÉAL	$5925.37
QUÉBEC	$3405.59
REPENTIGNY	$2636.79
Saguenay	$4025.62
SAINT-JEAN-SUR-RICHELIEU	$2669.63
SAINT-JÉRÔME	$3372.10
SHERBROOKE	$2780.51
TERREBONNE	$3950.88
TROIS-RIVIÈRES	$2977.62

Frequently asked questions (FAQ)

How much does insurance cost for a 2026 Tesla Model Y?

The average premium for a 2026 Tesla Model Y is $3376, down from $4252 recorded in 2025 for this model.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, minimum civil liability coverage of $50,000 is required to drive a road vehicle on public roads.

Why did the Model Y premium decrease between 2025 and 2026?

The roughly 21% drop from $4252 to $3376 may reflect better parts availability, more claims experience among insurers, and growing competition in the EV insurance market.

Which city has the highest insurance cost for the Model Y?

Based on the data provided, Montreal has the highest premium at $5925, followed by Laval ($4364) and Brossard ($4015).

Where is the Model Y cheapest to insure?

Repentigny ($2637), Saint-Jean-sur-Richelieu ($2670), and Sherbrooke ($2781) post the lowest average premiums among the cities provided.

Are electric vehicles more expensive to insure?

Often yes, due to high parts and battery repair costs. However, the decrease seen for the Model Y between 2025 and 2026 shows that costs can shift as the market matures.

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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: 07/13/2026

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Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

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