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Model Y insurance ..AAA?

Daks

Member
Oct 21, 2020
131
91
Anchorage, AK USA
I'm jealous - Mine will be over $100 a month... But I have higher limits and $0 deductibles... Granted knocking them down and raising the deductible don't help that much.
 

Krock65

Supporting Member
Nov 21, 2020
55
26
Ridgecrest, CA
Just got quotes from AAA and Costco. AAA is $1768 per year. Costco’s carrier is $1368 per year. Tried to separate out just the MY component of what they quoted. In CA. Good driver, no infractions. They both included getting homeowners from them as well.
 
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Daks

Member
Oct 21, 2020
131
91
Anchorage, AK USA
Just got quotes from AAA and Costco. AAA is $1768 per year. Costco’s carrier is $1368 per year. Tried to separate out just the MY component of what they quoted. In CA. Good driver, no infractions. They both included getting homeowners from them as well.

I'm no longer jealous... Although the $1368 will be close to what I'll pay for the MYP... In order to get that I have many lines of insurance with SF and I have had them for over 30 years now. I also have un/under insured motor vehicle property and injury insurance as part of my quote that way no matter what happens I should be covered. Should being the operative word.
 

Krock65

Supporting Member
Nov 21, 2020
55
26
Ridgecrest, CA
I'm no longer jealous... Although the $1368 will be close to what I'll pay for the MYP... In order to get that I have many lines of insurance with SF and I have had them for over 30 years now. I also have un/under insured motor vehicle property and injury insurance as part of my quote that way no matter what happens I should be covered. Should being the operative word.
I'm not done looking. I've been with AAA for 19 years and I was petrified about a few people who said they were quoted several hundred dollars a month for their coverage. So, based on their quote today, I went ahead and added my MY to my policy to make sure I was covered. But it looks like there are better options now that I've added this blue beauty to my stable! I'll post what I end up with in case it helps anyone else.
 

everydaychris

Member
Feb 10, 2020
572
278
CA
I'm not done looking. I've been with AAA for 19 years and I was petrified about a few people who said they were quoted several hundred dollars a month for their coverage. So, based on their quote today, I went ahead and added my MY to my policy to make sure I was covered. But it looks like there are better options now that I've added this blue beauty to my stable! I'll post what I end up with in case it helps anyone else.
nice

maybe we should make the switch too. We've been AAA for a long time now I guess you pay for it with small discounts on hotels etc.
 

geekfam

Member
Nov 12, 2020
41
47
IL
Quick post on AAA. We had them for over 25 years, added our Model 3 last fall. Price seemed high at $1700/yr for that one vehicle. We had a total of 4 cars, homeowners, and umbrella all with AAA. We paid that with AAA for 2 policy periods, but then with Covid shopped around. Switched to State Farm and saved a significant amount for same coverage on auto/home/umbrella. Savings of about 2,000 a year over AAA. We loved AAA, been accident/ticket free for 20 years, but could not justify that amount of difference. I talked to AAA about lower rates, and the agent looked up our policy and I noticed the Model 3 had a "red" color and it said something like "high value"...can't remember the exact words. Just wanted to add our experience. This is in Central Illinois.
 

bobby g

Member
Mar 13, 2020
243
133
The Inland Empire :)
Quick post on AAA. We had them for over 25 years, added our Model 3 last fall. Price seemed high at $1700/yr for that one vehicle. We had a total of 4 cars, homeowners, and umbrella all with AAA. We paid that with AAA for 2 policy periods, but then with Covid shopped around. Switched to State Farm and saved a significant amount for same coverage on auto/home/umbrella. Savings of about 2,000 a year over AAA. We loved AAA, been accident/ticket free for 20 years, but could not justify that amount of difference. I talked to AAA about lower rates, and the agent looked up our policy and I noticed the Model 3 had a "red" color and it said something like "high value"...can't remember the exact words. Just wanted to add our experience. This is in Central Illinois.

Almost same. AAA card for 50+ years but bundle insured with liberty mutual. They dumped is for fire zone so went to State farm. Gave auto club a chance to quote - not even close - stayed with State farm even though when we had 2 claims (both fault free) they weren't on our side.
 

airbrett

Member
Feb 12, 2020
118
69
San Francisco, CA
USAA was the lowest by $400-$800 per year among all the quotes we got (Geico, Progressive, Liberty Mutual) here in CA. They have great customer service like AAA. Of course you need to qualify for membership.
 
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Gy2020

Member
Dec 3, 2020
28
-9
Menifee,CA
I have GEICO for all of my insurance, when I removed my ICE and added MY, my insurance increased about $150 every six months. I am paying about $25 more a month over my ICE car, full discourse i have been with GEICO for 20 years. With all of the discounts it was the best deal for me.
 

Wallstgrl

Member
Oct 20, 2020
17
6
Huntington, NY
So shopping for insurance I inquired to a few carriers and received quotes from about 230 to 360/ a month. Yes I live in L.A. and rates are higher here but in all my years of driving, never an accident, ticket, or claim. Perfect record. so I decided to call AAA as I have their road service.
the agent mentioned that rates might be slightly higher for Tesla’s....... $657 a month!! We both had a good laugh. I heard that Costco sells car insurance? Anyone here have it?
Try Wawanesa out of San Diego. The have great insurance rates for CA residents
 
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LADude23

Member
Feb 8, 2021
25
6
Los Angeles, CA USA
I talked to AAA back in October and they said to get back to them when I had a VIN #.

I live in Los Angeles, so all insurance is expensive. They quoted me over $6,000 a year. I think not. This is after nearly 30 years with them plus homeowners.

Going to check out Tesla's insurance as soon as that option pops up on my account on the website.
 

acarney

Active Member
Jul 9, 2019
2,497
1,556
Richland, WA
I am now in my second policy period with my Model Y and Progressive made no change to the premium...
I like to hear that! My renewal should be coming up in the next month or so and I was worried of a huge increase like many others were reporting (though I never had the crazy low initial quote that most of them mentioned.)

Crossing my fingers it's a reasonable increase, or about the same since my personal status hasn't changed.
 

tibook

Member
Feb 6, 2021
145
155
VA
My model Y is a third car on a two driver policy and currently at $707/yr with the typical 100/300, rental, oem windshield replacement, those kind of goodies. Guess it is pretty in line. I figured since its a a perfect 5 start safety car these would be fairly cheap to insure...
 

Spalding

Member
Nov 27, 2018
49
62
Los Angeles
So shopping for insurance I inquired to a few carriers and received quotes from about 230 to 360/ a month. Yes I live in L.A. and rates are higher here but in all my years of driving, never an accident, ticket, or claim. Perfect record. so I decided to call AAA as I have their road service.
the agent mentioned that rates might be slightly higher for Tesla’s....... $657 a month!! We both had a good laugh. I heard that Costco sells car insurance? Anyone here have it?


I had AAA for 25 years over multiple BMWs until I got my 3. They nearly doubled my rate (also in Los Angeles), explaining that the car was listed as an "exotic" on their risk schedule. Geico and Wawanesa were the best of the rates I got from other insurers. I ended up with Geico.
 

everydaychris

Member
Feb 10, 2020
572
278
CA
I talked to AAA back in October and they said to get back to them when I had a VIN #.

I live in Los Angeles, so all insurance is expensive. They quoted me over $6,000 a year. I think not. This is after nearly 30 years with them plus homeowners.

Going to check out Tesla's insurance as soon as that option pops up on my account on the website.
Same
we have home, auto, life, and it was pretty expensive with a MY lol. waiting for tesla as well
 

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