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 insurance rates for a Tesla Model X are $1,762 a year for full coverage insurance. Comprehensive costs approximately $386 each year, collision costs $758, and liability coverage is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $3,840. 16-year-old drivers pay the most at $6,466 a year or more.

Average premium for full coverage: $1,762

Premium estimates by type of coverage:

Comprehensive $386
Collision $758
Liability $460

Prices include $500 deductible amounts, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and Model X models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Tesla Model X go from the low end price of $510 for just liability insurance to a high rate of $3,840 for a high-risk driver policy.

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

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

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

These rate differences illustrate why all drivers should get quotes using their specific location, rather than 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.

More Rate Details

The chart below illustrates estimated Tesla Model X insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $987
  • Choosing higher $1,000 deductibles can save $258 each year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,762
  • Buying low deductibles for comp and collision coverage bumps up the cost to $2,268
  • Drivers with multiple tickets or accidents could pay around $3,840 or more
  • An auto insurance policy that insures a teenage driver can cost $6,466 each year

View Chart as Image

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

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

If you have a few violations or you caused an accident, you are probably paying anywhere from $2,100 to $2,900 extra annually, depending on your age. Insurance for high-risk drivers ranges around 45% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $6,400 a year. View Rates by Age

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 $1,150 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,380 on average in Florida, New York, and Michigan.

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

Opting for high physical damage deductibles can save as much as $770 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, so the prices will be substantially different.

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 Find the Right Tesla Model X Insurance

Finding better rates on auto insurance takes having a good driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop every time your policy renews by getting quotes from direct insurance companies, and also from your local car insurance providers.

The next list is a quick rundown of the information covered in the above illustrations.

  • It is possible to save around $220 per year simply by quoting online in advance
  • Drivers age 20 and younger are expensive to insure, with premiums being up to $539 per month if full coverage is included
  • Increasing policy deductibles can save approximately $775 each year
  • Drivers with reckless driving or DUI convictions could be charged and average of $2,080 more per year to buy Tesla Model X insurance
  • Consumers who purchase increased levels of liability coverage will pay around $510 annually to raise limits from 30/60 bodily injury limits to the 250/500 level

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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