Tesla Model X Insurance Rates
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UPDATED: Mar 30, 2024
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The average auto insurance rates for a Tesla Model X are $1,762 annually for full coverage insurance. Comprehensive costs approximately $386, collision costs $758, and liability costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $3,840. Teens cost the most to insure at $6,466 a year or more.
Average premium for full coverage: $1,762
Policy rates by type of insurance:
These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Model X trim levels.
Price Range Variability
For a 40-year-old driver, Tesla Model X insurance rates go from as cheap as $510 for just liability insurance to a much higher rate of $3,840 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.
The price range example below illustrates how your location can change auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of making a decision based on 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 illustrates estimated Tesla Model X insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $987
- Using higher $1,000 deductibles will save $258 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,762
- Selecting more expensive low deductibles for physical damage coverage will cost $2,268
- High-risk insureds with serious driving violations could pay around $3,840 or more
- Policy cost with full coverage for a 16-year-old driver with full coverage can cost $6,466 or more
Insurance rates for a Tesla Model X also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $6,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $2,100 to $2,900 extra every year, depending on your age. High-risk driver insurance can be from 45% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $770 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Tesla Model X insurance prices. A driver around age 40 might see rates as low as $1,150 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,380 on average in Florida, New York, and Michigan.
| 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% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Each insurance company calculates rates differently, so the rates will be varied between companies.
| 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 Cheap Tesla Model X Insurance
Finding cheaper rates on insurance for a Tesla Model X requires having a decent driving record, having a good credit history, being claim-free, and maximizing policy discounts. Invest the time to shop around every year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a brief summary of the coverage data illustrated above.
- It is possible to save around $220 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $775 each year
- 16 to 18-year-old drivers are expensive to insure, possibly costing $539 each month including comprehensive and collision insurance
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $2,080 more per year than a driver with a clean driving record
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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