Tesla Model X Insurance Rates
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Michelle Robbins
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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 with full coverage. Comprehensive insurance costs an estimated $386, collision insurance costs $758, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs $3,840 or more. Teenage drivers pay the most at up to $6,466 a year.
Average premium for full coverage: $1,762
Premium estimates broken down by type of coverage:
Prices include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different Model X trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Tesla Model X range from as low as $510 for minimum levels of liability insurance to a much higher rate of $3,840 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of 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 Details
The chart below details average Tesla Model X insurance rates for other coverage scenarios.
- The best discount rate is $987
- Choosing higher $1,000 deductibles can save approximately $258 annually
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,762
- Using more expensive low deductibles for comp and collision coverage will cost an extra $506 every year
- Unlucky drivers who are prone to accidents and violations could pay up to $3,840
- An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $6,466 each year
Auto insurance prices for a Tesla Model X also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.
An older driver with a good driving record and high deductibles may pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $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 prices. A good driver about age 40 could pay as low as $1,270 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,380 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles can save as much as $770 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out $2,100 to $2,900 in extra premium annually, depending on your age. High-risk driver insurance ranges as much as 45% to 133% more than a normal policy. View High Risk Driver Rates
| 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 car insurance takes being a good driver, having good credit, being claim-free, and consideration of higher deductibles. Set aside time to shop around at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a quick rundown of the data raised in the charts and tables above.
- Policyholders who want an increased level of liability coverage will pay an extra $510 every year to raise limits from 30/60 bodily injury limits to 250/500 limits
- You may be able to save approximately $220 per year just by shopping early and online
- Increasing policy deductibles can save around $775 each year
- Drivers age 16 to 20 are the costliest to insure, possibly costing $539 per month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,268 |
| $250 | $2,032 |
| $500 | $1,762 |
| $1,000 | $1,504 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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