Tesla insurance groups: every UK Model 3 and Model Y trim

Every current Tesla Model 3 and Model Y sits between insurance groups 32 and 48 out of 50. The Model 3 Standard is the cheapest Tesla to insure in group 32, the entry Model Y is group 34, and the Performance versions sit at the top in groups 47 and 48.

That is a big change from a few years ago, when most Teslas were rated at or near group 50. Below are the groups for each UK trim, where the figures come from, and why a low group does not always mean a low premium.

What insurance group is each Tesla Model 3 and Model Y?

The table lists every trim on sale in November 2026, with UK cash prices from 1 October 2026 as reported by EV Industry News. The main group figure comes from Auto Express’s Model 3 and Model Y reviews; where another publication gives a different number, it appears in the last column.

Trim	List price (Oct 2026)	Insurance group	Other published figure
Model 3 Standard	£37,990	32	32 (Motoring Research)
Model 3 Premium Long Range RWD	£44,990	37	38 (MoneySuperMarket)
Model 3 Premium Long Range AWD	£49,990	40
Model 3 Performance	£59,990	48	50 (MoneySuperMarket)
Model Y (entry, formerly Standard)	£44,990	34	34 (EV Fleet World)
Model Y Premium Long Range RWD	£49,990	39
Model Y Premium Long Range AWD	£52,990	42	43 (Auto Express spec table)
Model Y Performance	£61,990	47	50 (Zego)

Where two figures differ, the higher one usually belongs to an earlier version of the same trim name still listed by comparison sites, so quote the exact version on your order or V5C. Insurers take the group as a recommendation and can apply their own rating, so a quote is the final word for your car. For premium ranges by driver profile and ways to bring the cost down, see Best Chargers’ guide to Tesla insurance in the UK.

Which Tesla is cheapest to insure?

The Model 3 Standard, in group 32. Motoring Research reports that Tesla capped its top speed at 110mph, and that the car launched in January 2026 with the lowest insurance rating of any Tesla. It is also the cheapest Tesla to buy at £37,990.

The entry Model Y is two groups higher at 34. EV Fleet World said at its December 2025 launch that UK-specific changes, including reduced top speed and acceleration, earned it a lower group than any previous Tesla; Auto Express says it replaced a car rated at group 37. If you are choosing between the two on running costs, our guide to which Tesla to buy in the UK weighs insurance alongside range and price.

How much does each step up in trim cost in insurance groups?

Each extra insurance group costs roughly £1,300 to £1,400 of list price as you climb the range, by EV Compared’s calculation.

• Model 3: Standard to Performance is £22,000 more and 16 groups higher. Method: (£59,990 minus £37,990) ÷ (48 minus 32) = £1,375 per group.
• Model Y: entry car to Performance is £17,000 more and 13 groups higher. Method: (£61,990 minus £44,990) ÷ (47 minus 34) = £1,308 per group.

The biggest single jump is to the Performance. On the Model 3, moving from the Long Range AWD to the Performance adds eight groups (40 to 48) for £10,000. Dual-motor Long Range cars sit three groups above their rear-wheel-drive equivalents on both models.

Why are Tesla insurance groups high?

Insurance groups run from 1 to 50 and are set by the ABI Group Rating panel, administered by Thatcham Research, according to the AA. The panel looks at four things: damage repair and parts costs, the new car’s value, performance (acceleration and top speed) and safety and security equipment. The AA adds that the system is being replaced by Vehicle Risk Rating, which scores cars from 1 to 99 on performance, damageability, repairability, safety and security.

Teslas score badly on several of these. They are quick even in entry form, they cost more than most mainstream rivals, and repairs to aluminium body panels and sensors are expensive. In 2023 Electrifying reported that the Model Y was in group 50 and listed Thatcham concerns over the phone key system, along with long waits for some repair parts that pushed up courtesy car costs on claims.

The current ratings show what changed. Auto Express says the Model Y Long Range RWD fell from group 45 to 39 and the dual-motor Long Range from 48 to 42 after the facelift, and the Standard models were built with speed and acceleration limits partly to reach a lower group.

Does a low insurance group mean a cheap premium?

Not on its own. Admiral notes that the group might not be the only factor insurers use for a vehicle, and your age, postcode, claims history and mileage carry a lot of weight. Some insurers also price Teslas on their own claims experience.

Auto Express’s own test makes the point. It was quoted £1,457 to insure the group 34 Model Y, about double the £750 quote for a Kia EV5 in group 42. Its sample quote for the base Model 3 was £1,320.

To put that in context: by EV Compared’s calculation, charging the entry Model Y at home for 10,000 miles a year costs about £160. Method: 10,000 miles ÷ (314 miles ÷ 63kWh, from Carwow) × 8p/kWh on Intelligent Octopus Go = £160. On the 26.32p/kWh price cap rate it would be about £528. Either way, the £1,457 sample quote is the bigger annual bill, roughly nine times the off-peak charging cost. Our guide to the true cost of EV insurance covers why electric cars in general cost more to insure.

For a wider view, MoneySuperMarket reports a median fully comprehensive premium of £641 for the Model 3 and £708 for the Model Y, based on policies sold between September 2025 and August 2026. Those medians reflect the drivers who bought through the site, so a younger or urban driver should expect more.

What insurance group is a used Tesla?

Earlier Teslas sit much higher than today’s cars, because groups are assigned per model version and the older ones were rated before the recent changes. MoneySuperMarket lists these groups for earlier versions:

Earlier version	Insurance group
Model 3 Standard Range Plus	48
Model 3 Performance AWD	50
Model Y RWD	46
Model Y Long Range RWD	45
Model Y Long Range AWD (7 seat)	47
Model Y Long Range AWD	48
Model Y Performance AWD	50

So a used Model Y Long Range AWD can sit six groups above a new one, even if it costs far less to buy. Get a quote on the exact registration before you commit, and see our used Tesla Model Y buying guide for the other checks worth making.

How do Tesla groups compare with other EVs?

The Model 3 Standard’s group 32 is now in the same territory as many mainstream electric family cars, though the cheapest EVs to insure sit far lower. Our list of the cheapest electric cars to insure shows the lowest-rated models. Above £45,000, the Model Y’s groups 39 to 42 for Long Range cars are typical of fast, expensive electric SUVs.

What this means for you

If insurance cost matters most, the Model 3 Standard is the Tesla to choose, and the entry Model Y is close behind at group 34. Moving to a Long Range car adds five groups on either model, and the Performance versions sit near the top of the scale. Company car drivers should also check the Tesla company car tax figures, because benefit-in-kind is 4% of list price in 2026/27 whichever trim you choose. Current list prices for every trim are on our Tesla UK prices page.