Carrier review · Updated August 3, 2026
Progressive Tesla Model Y insurance review
The most forgiving underwriting for imperfect records. Progressive will quote drivers that other carriers decline, and its Name Your Price and Snapshot tools give you unusual control over the tradeoff between premium and coverage. Clean-record drivers can usually do better elsewhere.
Who Progressive is right for
Progressive is our pick for drivers with tickets or accidents. Against the rating profile used throughout this site it averages $4,173 a year, which is $337 above average and places it 8th of the 10 carriers with published Model Y rate data.
Progressive will quote drivers that other carriers decline, and its Name Your Price and Snapshot tools give you unusual control over the tradeoff between premium and coverage. Clean-record drivers can usually do better elsewhere.
Pros and cons
What works
- Competitive for drivers with at-fault accidents, DUIs or lapses in coverage
- Snapshot discount can be substantial for genuinely careful drivers
- Best rideshare coverage availability of any major carrier
- Name Your Price tool makes the coverage-versus-cost tradeoff explicit
- Deductible Savings Bank reduces your deductible over claim-free periods
What does not
- Roughly 9 percent above the national average for clean-record Model Y owners
- Snapshot raises rates for a meaningful share of participants
- Aggressive use of aftermarket parts in some markets
- Claims satisfaction scores are mid-pack at best
Coverage highlights
Beyond standard liability, collision and comprehensive, these are the coverages and endorsements that matter most for a Model Y owner at Progressive.
- Rideshare coverage in most states
- Deductible Savings Bank
- Custom parts and equipment coverage
- Loan and lease payoff coverage
Discounts available
Not every discount below applies in every state, and several are never surfaced in an online quote. Ask an agent to confirm each one against your filing.
Availability and claims
Where you can buy it: All 50 states and Washington, D.C.
How claims are handled: App, phone and Service Centers in some markets
Telematics: Optional (Snapshot)
How Progressive prices by driver age
Published averages for the same Model Y Long Range and the same coverage, varying only the driver's age.
| Age 25 | Age 40 | Age 65 |
|---|---|---|
| $4,485 | $4,260 | $3,714 |
How Progressive compares
| Carrier | Avg. annual | Avg. monthly | Best for |
|---|---|---|---|
| USAA | $2,256 | $188 | Military members and their families |
| Travelers | $2,748 | $229 | Owners bundling home and auto |
| Nationwide | $3,044 | $254 | Low-mileage drivers using SmartMiles |
| State Farm | $3,051 | $254 | Owners who want a local agent |
Progressive FAQ
Does Snapshot raise rates?
It can. Progressive has disclosed that a minority of participants see an increase at the end of the monitoring period. Hard braking and late-night driving are the two behaviors most likely to work against you.