Tesla Model X Insurance Rates

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Compare 2016 Tesla Model X Car Insurance Cost in 2025

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UPDATED: Mar 30, 2024

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Estimated auto insurance rates for a Tesla Model X are $1,762 annually with full coverage. Comprehensive costs on average $386, collision insurance costs $758, and liability costs around $460. A policy with only liability insurance costs as low as $510 a year, and a high-risk policy costs around $3,840. 16-year-old drivers pay the most at up to $6,466 a year.

Average premium for full coverage: $1,762

Premium estimates by type of coverage:

Comprehensive $386
Collision $758
Liability $460

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Model X trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Tesla Model X range from as cheap as $510 for liability-only coverage to a much higher rate of $3,840 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,762
High Risk $3,840

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $1,322
Small Cities $1,850
Large Cities $2,379

These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of using rate averages.

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 Charts and Tables

The chart below details average Tesla Model X insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $987
  • Using higher $1,000 deductibles will save around $258 annually
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,762
  • Buying more expensive low deductibles for physical damage coverage will cost $2,268
  • Drivers with multiple tickets or accidents could pay upwards of $3,840
  • An auto insurance policy with full coverage for a teen driver with full coverage may cost $6,466 or more

View Chart as Image

Tesla Model X insurance cost comparison chart
Column chart showing Tesla Model X insurance rates range from $987 to $6,466 for full coverage

Car insurance prices for a Tesla Model X also have a wide range based on the model of your Model X, your driving record, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $6,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $2,100 to $2,900 extra annually, depending on your age. High-risk driver insurance can be as much as 45% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $770 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Tesla Model X insurance prices. A driver around age 40 might see prices as low as $1,270 a year in states like New Hampshire, Ohio, and Utah, or at least $2,380 on average in Florida, Michigan, and New York.

Tesla Model X Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,592 -$170 -9.6%
Alaska $1,350 -$412 -23.4%
Arizona $1,462 -$300 -17.0%
Arkansas $1,762 -$0 0.0%
California $2,008 $246 14.0%
Colorado $1,684 -$78 -4.4%
Connecticut $1,810 $48 2.7%
Delaware $1,994 $232 13.2%
Florida $2,204 $442 25.1%
Georgia $1,626 -$136 -7.7%
Hawaii $1,264 -$498 -28.3%
Idaho $1,194 -$568 -32.2%
Illinois $1,312 -$450 -25.5%
Indiana $1,326 -$436 -24.7%
Iowa $1,188 -$574 -32.6%
Kansas $1,674 -$88 -5.0%
Kentucky $2,404 $642 36.4%
Louisiana $2,606 $844 47.9%
Maine $1,088 -$674 -38.3%
Maryland $1,454 -$308 -17.5%
Massachusetts $1,410 -$352 -20.0%
Michigan $3,060 $1,298 73.7%
Minnesota $1,474 -$288 -16.3%
Mississippi $2,110 $348 19.8%
Missouri $1,562 -$200 -11.4%
Montana $1,892 $130 7.4%
Nebraska $1,390 -$372 -21.1%
Nevada $2,112 $350 19.9%
New Hampshire $1,270 -$492 -27.9%
New Jersey $1,968 $206 11.7%
New Mexico $1,562 -$200 -11.4%
New York $1,856 $94 5.3%
North Carolina $1,014 -$748 -42.5%
North Dakota $1,442 -$320 -18.2%
Ohio $1,216 -$546 -31.0%
Oklahoma $1,810 $48 2.7%
Oregon $1,614 -$148 -8.4%
Pennsylvania $1,680 -$82 -4.7%
Rhode Island $2,350 $588 33.4%
South Carolina $1,596 -$166 -9.4%
South Dakota $1,488 -$274 -15.6%
Tennessee $1,544 -$218 -12.4%
Texas $2,122 $360 20.4%
Utah $1,304 -$458 -26.0%
Vermont $1,206 -$556 -31.6%
Virginia $1,056 -$706 -40.1%
Washington $1,362 -$400 -22.7%
West Virginia $1,614 -$148 -8.4%
Wisconsin $1,218 -$544 -30.9%
Wyoming $1,570 -$192 -10.9%

View Chart as Image

Tesla Model X insurance rates by U.S. city
Tesla Model X Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Tesla Model X $516 $1,080 $390 $2,144
2023 Tesla Model X $494 $1,072 $398 $2,122
2022 Tesla Model X $478 $1,046 $416 $2,098
2021 Tesla Model X $462 $1,002 $430 $2,052
2020 Tesla Model X $436 $966 $442 $2,002
2019 Tesla Model X $420 $898 $452 $1,928
2018 Tesla Model X $402 $844 $456 $1,860
2017 Tesla Model X $386 $758 $460 $1,762
2016 Tesla Model X $360 $696 $460 $1,674

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 Best Tesla Model X Insurance

Finding better rates on car insurance requires being a good driver, having a good credit score, being claim-free, and possibly raising deductibles. Set aside time to compare rates at every other renewal by obtaining price quotes from direct companies, and also from local independent and exclusive agents.

The following list is a brief recap of the concepts that were covered above.

  • Higher risk drivers who tend to receive serious violations pay an average of $2,080 more each year than a safer driver
  • Drivers age 16 to 20 are expensive to insure, possibly costing $539 per month if comprehensive and collision insurance is included
  • You may be able to save as much as $220 per year just by shopping early and online
  • Increasing policy deductibles could save up to $775 each year
  • You may be able to save as much as $220 per year just by shopping early and online

Rates by Driver Age

Tesla Model X Insurance Rates by Driver Age
Driver Age Premium
16 $6,466
20 $4,090
30 $1,848
40 $1,762
50 $1,606
60 $1,578

Full coverage, $500 deductibles

Rates by Deductible

Tesla Model X Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,268
$250 $2,032
$500 $1,762
$1,000 $1,504

Full coverage, driver age 40

Rates by Liability Limit

Tesla Model X Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,762
50/100 $1,854
100/300 $1,969
250/500 $2,268
100 CSL $1,900
300 CSL $2,153
500 CSL $2,337

Full coverage, driver age 40

Rates for High Risk Drivers

Tesla Model X Insurance Rates for High Risk Drivers
Age Premium
16 $9,278
20 $6,520
30 $3,936
40 $3,840
50 $3,666
60 $3,636

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.

SR-22 Surcharge $254

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $96
Multi-vehicle $94
Homeowner $25
5-yr Accident Free $138
5-yr Claim Free $117
Paid in Full/EFT $86
Advance Quote $91
Online Quote $128
Total Discounts $775
Rate after discounts $987

Discounts are estimated and may not be available from every company or in every state.

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