Airborne sound transmission through vehicle panels with penetrations and sound insulation is a major component of high frequency interior noise in cars and trucks. Accurate analytical models of interior noise require high fidelity simulation of these paths in order to perform upfront design of the sound package. This paper describes a modeling approach based on Statistical Energy Analysis (SEA) that provides a general and flexible capability for incorporating sound package parameters within an analytical model of high frequency interior noise. Validation of the model for sound transmission through panels with holes and with typical sound insulation material is achieved through innovative testing methods that reveal dynamics of the decoupler and barrier layers. Refinements of the general approach that consider more deterministic features of the specific decoupler material are also suggested.