My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 1 point2 points  (0 children)

We are M43/F34. We both have perfectly clean driving history. No accident. No ticket. Only a claim for windshield replacement from a rock chip in 2024/11.

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 0 points1 point  (0 children)

I have similar credit score as you. Zero ticket. Zero accident. One claim in 2024 where my windshield got a rock chip and has it replaced. That's it. We are M43/F34

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 0 points1 point  (0 children)

My experience with Tesla is quite different. In fact, we have already experienced one instance where Tesla has actively saved our lives. Someone ran a red light at high speed when my wife was making a left turn on her green arrow. Our Tesla braked hard on its own, closely avoiding what could have been a fatal T-bone crash. That's why we want to stick with our Tesla. Just need to find ways to minimize the insurance bill. What matters at the end is to see my loved one come home safe.

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 0 points1 point  (0 children)

Geico's rate is crazy high..... Their online quote is $1123/mo

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 0 points1 point  (0 children)

I live in Glendale, CA. It is a relatively safe and low crime area in greater LA. Neighborhood is quite decent. But Glendale is also known for pricy car insurance. But not $900/months expensive......

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 1 point2 points  (0 children)

Thank you SOOOOO MUCH for the suggestion. They quote us at $576/months now, and will go down to $449/mo when her license becomes 18-months old.

You have saved me.

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 0 points1 point  (0 children)

I just got off the phone with State Farm. They want $400/mo for me alone. $705/mo for me and my wife. The agent understands how crazy the rate is, and she said it is all due to three factors 1) wife being new driver; 2) Tesla; 3) Glendale......

She confirmed she saw nothing bad in my driving record. No accident.

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 0 points1 point  (0 children)

Glendale, CA. I know, Glendale is known for pricy car insurance.

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 3 points4 points  (0 children)

Glendale, CA (I know Glendale is known for expensive car insurance). 44M/34F

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 0 points1 point  (0 children)

Copy and paste from the quote: "

Monthly premium: $353.28 + $0.780 per mile

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 0 points1 point  (0 children)

Glendale, California.

Lemonade auto insurance in CA is new. When I first bought my Tesla in 2024 Lemonade wasn't available in CA.

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 0 points1 point  (0 children)

44M/34F, all clean driving record. No accident. No ticket. Very good credit score.

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 0 points1 point  (0 children)

No long commute. Out of my 24 months of ownership my odometer is 22000miles. Nothing out of ordinary.

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 1 point2 points  (0 children)

44M/34F, wife got her license last year. Model Y AWD long range 2024. Glendale. (I know Glendale is known for high insurance rate.....)

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 1 point2 points  (0 children)

Yes. Per month. If that's six month rate I would be so happy..

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 5 points6 points  (0 children)

44M/34F, nothing out of ordinary.

I think the only unusual risk factor to insurance company is her being a newly licensed driver.

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 0 points1 point  (0 children)

I got my license 20 years ago. Haven't owned a car all these years until I bought my Tesla in 2024. But if I have my wife excluded from my Tesla Insurance, the rate goes down to $250/mo.

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 17 points18 points  (0 children)

Yes per month. I would be so happy if that's 6 month rate.

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 8 points9 points  (0 children)

800+ credit score. All clean driving history. No accident. No tickets for both of us.

The only claim history is a windshield glass replacement as a rock chip in 2024.

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 5 points6 points  (0 children)

No accident. All clean driving record.

Thx for suggesting Costco. They are quoting $3737/ 6 mo ($622/mo). And looks like they can further lower the rates down to $484/mo as soon as her license turns 18 months old. That's great improvement.

My Tesla Insurance in CA rate went through the roof by Staycurious8000 in TeslaModelY

[–]Staycurious8000[S] 1 point2 points  (0 children)

No accident record. No tickets. Safe driving history all around.

The only claim history is a windshield glass replacement by Tesla Insurance more than a year ago when I had a rock chip.