Tesla Model X Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Mar 30, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance prices for a Tesla Model X are $1,762 every 12 months for full coverage. Comprehensive costs around $386, collision insurance costs $758, and liability coverage is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs around $3,840. Teens pay the most at up to $6,466 a year.

Average premium for full coverage: $1,762

Premium estimates for type of coverage:

Comprehensive $386
Collision $758
Liability $460

Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and for all Model X models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Tesla Model X range from the cheapest price of $510 for just liability insurance to the much higher price of $3,840 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates how your location can change auto insurance rates.

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

These rate differences show why everyone should compare rates quotes for a specific zip code and their own driving history, rather than using averaged prices.

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.

More Rate Details

The chart below shows average Tesla Model X insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $987
  • Raising to $1,000 deductibles will save about $258 a year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,762
  • Selecting pricier low deductibles increases the price to $2,268
  • Unlucky drivers with serious driving violations could pay at least $3,840
  • An auto insurance policy to insure a teenage driver for full coverage can be $6,466

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

Insurance prices for a Tesla Model X also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $770 a year, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $6,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at least $2,100 to $2,900 additional annually, depending on your age. Tesla Model X insurance for high-risk drivers is expensive and can cost around 45% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Tesla Model X insurance rates. A middle-age driver might find prices as low as $1,160 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,510 on average in Michigan, Louisiana, 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 Shop for the Best Tesla Model X Insurance

Finding better rates on auto insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around at every policy renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

Below is a brief recap of the data illustrated above.

  • Consumers who may need higher levels of liability will pay approximately $510 each year to raise from 30/60 bodily injury limits to a 250/500 level
  • Drivers can save up to $220 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save as much as $775 each year
  • Teenage drivers are charged the highest prices, as much as $539 per month if full coverage is included

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles