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Tesla Model Y Long Range insurance cost UK 2026

Tesla Model Y Long Range insurance costs about £1,200 a year in the UK in 2026, with the trim sitting in insurance groups 39–42 (RWD and AWD). That is roughly double the ~£600 UK average premium and around £100–£240 a year more than the standard Model Y for the same driver. Below: what each Long Range variant costs by driver age, why the trim is rated where it is, and the cheapest ways to insure one — or see the full Tesla Model Y insurance guide for every trim.

How to pay less → Full Model Y guide
Typical Tesla Model Y Long Range insurance costs

Independent research from our UK cost index — sourced from ABI and Confused.com published data.

Group 39-42
Long Range RWD / AWD (post-2025 cars)
~£1,200/yr
Typical Long Range comprehensive premium
~2x UK avg
vs ~£600 typical UK premium (ABI/Confused.com)
Direct Answer

How much does it cost to insure a Tesla Model Y Long Range?

A typical UK driver pays around £1,200 a year for comprehensive cover on a Tesla Model Y Long Range in 2026 — roughly double the ~£600 the average UK motorist pays (the ABI put the average premium actually paid at £560 in early 2026, while Confused.com’s quote-based index sits at £719). A low-risk driver (35+, 8 years no-claims, average postcode, off-street parking) can do much better: about £850 on the Long Range RWD and £980 on the Long Range AWD. Young drivers and inner-city postcodes push quotes to £3,500–£3,900+.

The Long Range badge covers two variants, and they are rated differently. The Long Range RWD (£44,990 list, single motor, 383-mile WLTP range — the longest of any Model Y) sits in group 39; the Long Range AWD (£51,990, dual motor, 364 miles, 0–60mph in about 4.6 seconds) sits in group 42. Both were re-rated sharply downward for cars registered from late 2025 — the RWD fell from group 45 and the AWD from group 48 — so a new Long Range is genuinely cheaper to insure than a 2023–24 example. Here is how the trim compares with its siblings and the UK average:

Tesla Model Y Long Range vs sibling trims: insurance cost — UK 2026
Benchmark 35-year-old with 8 years’ no-claims: the Long Range costs £110–£240 more than the standard RWD but £200–£330 less than the Performance.
UK average£600 Model Y RWD£740 Long Range RWD£850 Long Range AWD£980 Performance£1,180

Source: Parkers insurance-group data (Long Range RWD 45→39, AWD 48→42), Zego & NimbleFins Tesla Model Y cost data, ABI/Confused.com 2026 average-premium data (~£600 typical) and a Car Insurance Expert composite quote sample. Indicative estimates, not guaranteed quotes.

Trim (post-2025 group)Insurance groupTypical premium (35 yrs, 8 yrs NCD)
UK average car (all models)—£600
Model Y RWD (Standard)~37£740
Model Y Long Range RWD~39£850
Model Y Long Range AWD~42£980
Model Y Performance48–50£1,180

Sources: Parkers Tesla Model Y insurance-group listings (post-2025 re-rating: Long Range RWD group 45→39, Long Range AWD 48→42), Zego and NimbleFins Tesla Model Y cost data, ABI (average premium paid £560, Q1 2026) and Confused.com price index (£719, Q2 2026), plus a Car Insurance Expert composite quote sample for standard comprehensive policies. Figures are indicative estimates, not guaranteed quotes.

Model Y Long Range premium by driver age

Driver profileLong Range RWD (grp ~39)Long Range AWD (grp ~42)
50 yrs, 9+ yrs NCD£780£880
35 yrs, 8 yrs NCD (benchmark)£850£980
25 yrs, 3 yrs NCD£1,600£1,820
19 yrs, 1 yr NCD£3,500£3,900

Car Insurance Expert composite estimates benchmarked to Zego/NimbleFins published Model Y figures and the post-2025 Parkers group ratings. Average UK postcode, comprehensive cover, car parked on a driveway. Indicative only.

Why This Rating

Why the Long Range sits in groups 39–42

Three structural factors place the Long Range above the standard car but below the Performance. First, performance: the Long Range AWD does 0–60mph in about 4.6 seconds — supercar pace a decade ago — and even the single-motor RWD manages roughly 5.4–5.6 seconds, so insurers price in a higher accident risk than the standard Model Y. Second, list price and battery value: at £44,990–£51,990 with the largest battery pack in the Model Y range (~82kWh), the maximum possible claim is bigger, and battery damage can write off an otherwise repairable car. Third, repair economics: Thatcham Research data shows EV repair claims running about 25% higher than comparable petrol cars, and the Model Y’s giga-cast structure, camera suite and requirement for Tesla-approved bodyshops all add cost and repair time.

Within the trim, the RWD’s three-group advantage (39 vs 42) is simply the inverse of its slower straight-line pace and £7,000-lower price — for most drivers it is the sweet spot: the longest range of any Model Y (383 miles WLTP) with a premium typically £100–£150 below the AWD. Both Long Range variants benefit hugely from the late-2025 Thatcham re-rating; if you are choosing between a used 2023 Long Range (groups 45–48) and a post-2025 car, the newer registration can be several hundred pounds a year cheaper to insure.

Pay Less

Cheaper alternatives — and how to cut a Long Range quote

If the Long Range premium stings, these are the closest cheaper-to-insure options in 2026:

  1. Tesla Model Y RWD (Standard) — group ~34–37, typically £110–£240 a year less for the same driver; see the full Tesla Model Y insurance guide.
  2. Tesla Model 3 — the saloon sits slightly lower group-for-group and averages around £980 a year; see our Tesla Model 3 insurance guide.
  3. Skoda Enyaq / VW ID.4 — comparable family-EV space, mostly groups in the 20s and low 30s, so typically £200–£400 a year cheaper.
  4. Kia Niro EV / Hyundai Kona Electric — smaller but often 10+ groups lower, the budget route into electric family motoring.

Six ways to cut your Long Range premium

  1. Pick the Long Range RWD over the AWD — three groups lower (39 vs 42) and the longest range in the line-up; most drivers save £100–£150 a year.
  2. Buy a post-2025 registration — re-rated cars sit up to six groups lower than 2023–24 examples, so newer can genuinely mean cheaper to insure.
  3. Park and charge off-street — a driveway or garage with a wall-box lowers theft and cable-damage risk and unlocks better EV rates.
  4. Raise voluntary excess and pay annually — moving excess from £250 to £500 typically trims 8–12%, and paying yearly avoids ~20–30% APR on instalments.
  5. Check the policy covers EV specifics — battery, charging cables and wall-box cover matter more than a £20 headline saving on a thin policy.
  6. Compare widely at every renewal — quote Tesla Insurance, Aviva, Admiral and a comparison site 21–26 days before expiry, statistically the cheapest window; never auto-renew.
Common Questions

Tesla Model Y Long Range insurance FAQs

The Tesla Model Y Long Range sits in insurance group 39 (Long Range RWD) or group 42 (Long Range AWD) out of 50 for cars registered from late 2025, after Thatcham re-rated the range downward. Earlier Long Range cars are rated higher — around group 45 (RWD) and 48 (AWD) — so a newer registration is meaningfully cheaper to insure.
A typical UK driver pays about £1,200 a year for comprehensive cover on a Model Y Long Range in 2026. A low-risk driver (35+, 8 years no-claims, average postcode) pays roughly £850 on the Long Range RWD and £980 on the Long Range AWD, while a 19-year-old can be quoted £3,500–£3,900. Postcode, no-claims history and parking make the biggest difference.
Yes. The Long Range RWD sits three groups lower (39 vs 42) because the single-motor car is slower (0–60mph in about 5.4–5.6 seconds versus 4.6), £7,000 cheaper to buy (£44,990 vs £51,990) and slightly cheaper to repair. For the same driver that is typically worth £100–£150 a year — and the RWD actually has the longer 383-mile WLTP range.
The Long Range sits two to five insurance groups above the standard Model Y RWD (group ~37), which typically adds £100–£240 a year. The bigger ~82kWh battery, higher £44,990–£51,990 list price and stronger performance all raise the potential claim cost, and battery packs are the most expensive single component to replace after an accident.
Yes — materially. Cars registered from late 2025 were re-rated by Thatcham: the Long Range RWD dropped from group 45 to about 39 and the Long Range AWD from group 48 to about 42. Premiums follow groups, so a 2026 Long Range can genuinely cost less to insure than a 2023 one, and average Model Y premiums are down from their 2023–24 peak.
Tesla Insurance (UK), Aviva, Admiral (especially on a multi-car policy), Hastings Direct, LV= and Direct Line are most often competitive for the Long Range in 2026. EV pricing varies widely between insurers, so quote Tesla Insurance plus at least one comparison site at every renewal rather than auto-renewing.
Yes. The Long Range’s roughly 82kWh pack is the most expensive single component on the car, and damage to it can write off an otherwise repairable vehicle, which pushes the trim’s group rating up. Make sure your policy includes EV-specific cover for the battery, charging cables and home wall-box.
Pick the Long Range RWD over the AWD and a post-2025 registration. Park and charge off-street, raise your voluntary excess to £500 if affordable, pay annually rather than monthly, add an experienced named driver where genuine, and compare quotes 21–26 days before renewal — statistically the cheapest window.

Our sources

Reviewed by the Car Insurance Expert editorial team

Reviewed by the Car Insurance Expert editorial team (senior motor-insurance analyst). Methodology: figures are compiled from Parkers, Zego, NimbleFins, Thatcham, ABI and Confused.com published data plus our own multi-insurer composite quote sampling, refreshed quarterly. Questions: editorial@carinsuranceexpert.co.uk.

Last updated: 2026-07-28

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