Tesla Model X Insurance Rates
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Michelle Robbins
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UPDATED: Mar 30, 2024
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Estimated auto insurance rates for a Tesla Model X are $1,674 annually with full coverage. Comprehensive costs approximately $360 each year, collision costs $696, and liability coverage is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing around $3,650. Teenage drivers pay the most at $6,190 a year or more.
Average premium for full coverage: $1,674
Premium estimates by type of coverage:
Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and Model X models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Tesla Model X go from as cheap as $510 for the bare minimum liability coverage to a high rate of $3,650 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. Rural locations are statistically proven to have fewer collision claims than densely populated cities.
The graphic below illustrates how location helps determine auto insurance prices.
These rate differences demonstrate why all drivers should get quotes using their specific location and their own personal driving habits, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below details estimated Tesla Model X insurance rates for additional coverage and risk scenarios.
- The best discount rate is $944
- Choosing higher $1,000 deductibles can save $238 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,674
- Using low deductibles for comp and collision coverage will cost $2,144
- Drivers who are prone to accidents and violations could pay around $3,650 or more
- An auto insurance policy with full coverage for a teenage driver can cost $6,190 each year
Auto insurance prices for a Tesla Model X also have a wide range based on the model of your Model X, your driving record, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,600 annually on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $6,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $2,000 to $2,700 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges around 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $710 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Tesla Model X insurance rates. A good driver about age 40 could pay as low as $1,210 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,260 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,516 | -$158 | -9.4% |
| Alaska | $1,284 | -$390 | -23.3% |
| Arizona | $1,392 | -$282 | -16.8% |
| Arkansas | $1,674 | -$0 | 0.0% |
| California | $1,908 | $234 | 14.0% |
| Colorado | $1,602 | -$72 | -4.3% |
| Connecticut | $1,722 | $48 | 2.9% |
| Delaware | $1,896 | $222 | 13.3% |
| Florida | $2,094 | $420 | 25.1% |
| Georgia | $1,546 | -$128 | -7.6% |
| Hawaii | $1,202 | -$472 | -28.2% |
| Idaho | $1,134 | -$540 | -32.3% |
| Illinois | $1,248 | -$426 | -25.4% |
| Indiana | $1,262 | -$412 | -24.6% |
| Iowa | $1,130 | -$544 | -32.5% |
| Kansas | $1,592 | -$82 | -4.9% |
| Kentucky | $2,286 | $612 | 36.6% |
| Louisiana | $2,480 | $806 | 48.1% |
| Maine | $1,034 | -$640 | -38.2% |
| Maryland | $1,384 | -$290 | -17.3% |
| Massachusetts | $1,340 | -$334 | -20.0% |
| Michigan | $2,910 | $1,236 | 73.8% |
| Minnesota | $1,404 | -$270 | -16.1% |
| Mississippi | $2,006 | $332 | 19.8% |
| Missouri | $1,486 | -$188 | -11.2% |
| Montana | $1,800 | $126 | 7.5% |
| Nebraska | $1,322 | -$352 | -21.0% |
| Nevada | $2,010 | $336 | 20.1% |
| New Hampshire | $1,208 | -$466 | -27.8% |
| New Jersey | $1,872 | $198 | 11.8% |
| New Mexico | $1,486 | -$188 | -11.2% |
| New York | $1,766 | $92 | 5.5% |
| North Carolina | $966 | -$708 | -42.3% |
| North Dakota | $1,372 | -$302 | -18.0% |
| Ohio | $1,156 | -$518 | -30.9% |
| Oklahoma | $1,722 | $48 | 2.9% |
| Oregon | $1,534 | -$140 | -8.4% |
| Pennsylvania | $1,598 | -$76 | -4.5% |
| Rhode Island | $2,236 | $562 | 33.6% |
| South Carolina | $1,518 | -$156 | -9.3% |
| South Dakota | $1,414 | -$260 | -15.5% |
| Tennessee | $1,468 | -$206 | -12.3% |
| Texas | $2,020 | $346 | 20.7% |
| Utah | $1,240 | -$434 | -25.9% |
| Vermont | $1,146 | -$528 | -31.5% |
| Virginia | $1,004 | -$670 | -40.0% |
| Washington | $1,296 | -$378 | -22.6% |
| West Virginia | $1,536 | -$138 | -8.2% |
| Wisconsin | $1,160 | -$514 | -30.7% |
| Wyoming | $1,492 | -$182 | -10.9% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Tesla Model X | $494 | $1,072 | $398 | $2,122 |
| 2023 Tesla Model X | $478 | $1,046 | $416 | $2,098 |
| 2022 Tesla Model X | $462 | $1,002 | $430 | $2,052 |
| 2021 Tesla Model X | $436 | $966 | $442 | $2,002 |
| 2020 Tesla Model X | $420 | $898 | $452 | $1,928 |
| 2019 Tesla Model X | $402 | $844 | $456 | $1,860 |
| 2018 Tesla Model X | $386 | $758 | $460 | $1,762 |
| 2017 Tesla Model X | $360 | $696 | $460 | $1,674 |
| 2016 Tesla Model X | $348 | $654 | $464 | $1,624 |
Rates are averaged for all Tesla Model X models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Cheapest Tesla Model X Insurance
Finding better rates on auto insurance takes avoiding accidents and violations, having above-average credit, being claim-free, and not having any coverage lapses. Invest time comparing rates at least once a year by requesting quotes from direct companies, and also from your local independent and exclusive agents.
The list below is a recap of the primary concepts that were covered in the charts and tables above.
- You may be able to save around $210 per year simply by quoting online in advance
- Drivers that have major violations or accidents may pay on average $1,980 more per year for car insurance
- Increasing policy deductibles could save up to $700 each year
- Teenagers have the highest car insurance prices, possibly costing $516 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,190 |
| 20 | $3,884 |
| 30 | $1,754 |
| 40 | $1,674 |
| 50 | $1,528 |
| 60 | $1,502 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,144 |
| $250 | $1,926 |
| $500 | $1,674 |
| $1,000 | $1,436 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,674 |
| 50/100 | $1,766 |
| 100/300 | $1,881 |
| 250/500 | $2,180 |
| 100 CSL | $1,812 |
| 300 CSL | $2,065 |
| 500 CSL | $2,249 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,872 |
| 20 | $6,196 |
| 30 | $3,736 |
| 40 | $3,650 |
| 50 | $3,482 |
| 60 | $3,454 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $91 |
| Multi-vehicle | $89 |
| Homeowner | $24 |
| 5-yr Accident Free | $129 |
| 5-yr Claim Free | $110 |
| Paid in Full/EFT | $80 |
| Advance Quote | $86 |
| Online Quote | $121 |
| Total Discounts | $730 |
Discounts are estimated and may not be available from every company or in every state.
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