Tesla Model X Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 30, 2024
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Estimated auto insurance rates for a Tesla Model X are $1,674 annually including full coverage. Comprehensive insurance costs approximately $360, collision costs $696, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing $3,650 or more. 16-year-old drivers pay the most at $6,190 a year or more.
Average premium for full coverage: $1,674
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different Model X trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Tesla Model X go from as cheap as $510 for the bare minimum liability coverage to a much higher rate of $3,650 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities.
The price range example below illustrates how geographic area affects auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of making a decision based on 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 Rate Information
The chart below breaks down estimated Tesla Model X insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $944
- Choosing higher $1,000 deductibles can save $238 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,674
- Buying more expensive low deductibles for comp and collision coverage costs an additional $470 annually
- Higher-risk drivers with multiple tickets or accidents could pay around $3,650 or more
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $6,190 each year
Insurance prices for a Tesla Model X also have a wide range based on the model of your Model X, your driving characteristics, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $2,000 to $2,700 additional annually, depending on your age. High-risk driver insurance ranges from 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $710 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
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 $1,280 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,390 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,516 | -$158 | -9.4% |
| Alaska | $1,284 | -$390 | -23.3% |
| Arizona | $1,392 | -$282 | -16.8% |
| Arkansas | $1,674 | -$0 | 0.0% |
| California | $1,908 | $234 | 14.0% |
| Colorado | $1,602 | -$72 | -4.3% |
| Connecticut | $1,722 | $48 | 2.9% |
| Delaware | $1,896 | $222 | 13.3% |
| Florida | $2,094 | $420 | 25.1% |
| Georgia | $1,546 | -$128 | -7.6% |
| Hawaii | $1,202 | -$472 | -28.2% |
| Idaho | $1,134 | -$540 | -32.3% |
| Illinois | $1,248 | -$426 | -25.4% |
| Indiana | $1,262 | -$412 | -24.6% |
| Iowa | $1,130 | -$544 | -32.5% |
| Kansas | $1,592 | -$82 | -4.9% |
| Kentucky | $2,286 | $612 | 36.6% |
| Louisiana | $2,480 | $806 | 48.1% |
| Maine | $1,034 | -$640 | -38.2% |
| Maryland | $1,384 | -$290 | -17.3% |
| Massachusetts | $1,340 | -$334 | -20.0% |
| Michigan | $2,910 | $1,236 | 73.8% |
| Minnesota | $1,404 | -$270 | -16.1% |
| Mississippi | $2,006 | $332 | 19.8% |
| Missouri | $1,486 | -$188 | -11.2% |
| Montana | $1,800 | $126 | 7.5% |
| Nebraska | $1,322 | -$352 | -21.0% |
| Nevada | $2,010 | $336 | 20.1% |
| New Hampshire | $1,208 | -$466 | -27.8% |
| New Jersey | $1,872 | $198 | 11.8% |
| New Mexico | $1,486 | -$188 | -11.2% |
| New York | $1,766 | $92 | 5.5% |
| North Carolina | $966 | -$708 | -42.3% |
| North Dakota | $1,372 | -$302 | -18.0% |
| Ohio | $1,156 | -$518 | -30.9% |
| Oklahoma | $1,722 | $48 | 2.9% |
| Oregon | $1,534 | -$140 | -8.4% |
| Pennsylvania | $1,598 | -$76 | -4.5% |
| Rhode Island | $2,236 | $562 | 33.6% |
| South Carolina | $1,518 | -$156 | -9.3% |
| South Dakota | $1,414 | -$260 | -15.5% |
| Tennessee | $1,468 | -$206 | -12.3% |
| Texas | $2,020 | $346 | 20.7% |
| Utah | $1,240 | -$434 | -25.9% |
| Vermont | $1,146 | -$528 | -31.5% |
| Virginia | $1,004 | -$670 | -40.0% |
| Washington | $1,296 | -$378 | -22.6% |
| West Virginia | $1,536 | -$138 | -8.2% |
| Wisconsin | $1,160 | -$514 | -30.7% |
| Wyoming | $1,492 | -$182 | -10.9% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Tesla Model X | $494 | $1,072 | $398 | $2,122 |
| 2023 Tesla Model X | $478 | $1,046 | $416 | $2,098 |
| 2022 Tesla Model X | $462 | $1,002 | $430 | $2,052 |
| 2021 Tesla Model X | $436 | $966 | $442 | $2,002 |
| 2020 Tesla Model X | $420 | $898 | $452 | $1,928 |
| 2019 Tesla Model X | $402 | $844 | $456 | $1,860 |
| 2018 Tesla Model X | $386 | $758 | $460 | $1,762 |
| 2017 Tesla Model X | $360 | $696 | $460 | $1,674 |
| 2016 Tesla Model X | $348 | $654 | $464 | $1,624 |
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 better rates on insurance for a Tesla Model X takes being a good driver, having good credit, refrain from filing small claims, and qualifying for all possible discounts. Invest the time to compare rates at every other renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.
The following list is a brief summary of the concepts that were presented in the illustrations above.
- Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,980 more per year than a safer driver
- Drivers age 16 to 20 are the costliest to insure, with the cost nearing $516 per month if they have full coverage
- You may be able to save around $210 per year simply by shopping early and online
- Increasing policy deductibles could save up to $700 each year
- You may be able to save around $210 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,190 |
| 20 | $3,884 |
| 30 | $1,754 |
| 40 | $1,674 |
| 50 | $1,528 |
| 60 | $1,502 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,144 |
| $250 | $1,926 |
| $500 | $1,674 |
| $1,000 | $1,436 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,674 |
| 50/100 | $1,766 |
| 100/300 | $1,881 |
| 250/500 | $2,180 |
| 100 CSL | $1,812 |
| 300 CSL | $2,065 |
| 500 CSL | $2,249 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,872 |
| 20 | $6,196 |
| 30 | $3,736 |
| 40 | $3,650 |
| 50 | $3,482 |
| 60 | $3,454 |
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 | $91 |
| Multi-vehicle | $89 |
| Homeowner | $24 |
| 5-yr Accident Free | $129 |
| 5-yr Claim Free | $110 |
| Paid in Full/EFT | $80 |
| Advance Quote | $86 |
| Online Quote | $121 |
| Total Discounts | $730 |
Discounts are estimated and may not be available from every company or in every state.
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