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TESLA MODEL Y 2026 Car Insurance

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The 2026 Tesla Model Y is a compact electric SUV known for its generous range, advanced onboard technology, and brisk performance. It attracts urban, tech-savvy drivers seeking a practical, quiet, and forward-looking vehicle.

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 $3303 in 2026, a notable decrease of about 22%. 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.

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

Premiums are highest for the 2026 Model Y in Montreal ($5524), Laval ($4280), and Brossard ($4015), while Saint-Jean-sur-Richelieu ($2670), Sherbrooke ($2695), and Repentigny ($2788) show the lowest amounts. The spread between cities remains quite 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 $4014.88
DRUMMONDVILLE $3033.61
GATINEAU $3609.28
LAVAL $4070.22
LÉVIS $3724.26
LONGUEUIL $3084.73
MONTRÉAL $4537.27
QUÉBEC $3271.04
REPENTIGNY $2788.03
Saguenay $4025.62
SAINT-JEAN-SUR-RICHELIEU $2939.02
SAINT-JÉRÔME $3372.10
SHERBROOKE $2744.41
TERREBONNE $3665.15
TROIS-RIVIÈRES $2992.42

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 $3303, 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?
As a recent model, only two years of data exist, and the drop from $4252 to $3303 may reflect insurer adjustments or improved parts availability rather than an established trend.
Which cities offer the lowest 2026 Model Y premiums?
Based on the data, Saint-Jean-sur-Richelieu ($2670), Sherbrooke ($2695), and Repentigny ($2788) post the lowest average premiums.
Why does Montreal show a much higher premium for this model?
At $5524, Montreal stands well above other cities, a gap linked to urban density, higher theft risk, and greater claim frequency in heavily trafficked areas.
Are electric vehicles more expensive to insure?
Generally yes, due to the high cost of parts, battery replacement, and specialized labor, which partly explains the premiums observed for the 2026 Model Y.
How can I lower my premium for a 2026 Tesla Model Y?
Comparing multiple insurer quotes, installing a recognized anti-theft system, and choosing a deductible suited to your profile are effective ways to reduce the premium.

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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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