Tesla Model X Insurance Rates
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UPDATED: Mar 30, 2024
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U.S. average auto insurance rates for a Tesla Model X are $1,860 annually with full coverage. Comprehensive insurance costs around $402, collision costs $844, and liability insurance costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing $4,072 or more. Teens pay the highest rates at $6,812 a year or more.
Average premium for full coverage: $1,860
Price estimates for individual coverage:
Prices include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Model X trim levels.
Price Range from Low to High
For an average driver, Tesla Model X insurance prices go from as cheap as $508 for a discount liability-only rate to a much higher rate of $4,072 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live has a significant impact on insurance rates. Areas with sparse population have fewer collision claims than cities with more traffic congestion.
The price range example below illustrates the effect of geographic area on auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than relying 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.
Rates by State, City, and Model
The chart below details estimated Tesla Model X insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,032
- Using higher $1,000 deductibles will save about $280 annually
- The estimated rate for the average middle-age driver using $500 deductibles is $1,860
- Selecting more expensive low deductibles for physical damage coverage costs an additional $556 a year
- Drivers with serious driving violations could pay at least $4,072 or more
- The price with full coverage for a teen driver with full coverage can be $6,812 or more
Auto insurance prices for a Tesla Model X are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles could pay as little as $1,700 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $6,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at least $2,200 to $3,000 in extra premium each year, depending on your age. High-risk driver insurance can be anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $840 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Tesla Model X insurance rates. A driver around age 40 might see prices as low as $1,340 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,510 on average in Florida, Michigan, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,684 | -$176 | -9.5% |
Alaska | $1,428 | -$432 | -23.2% |
Arizona | $1,546 | -$314 | -16.9% |
Arkansas | $1,860 | -$0 | 0.0% |
California | $2,122 | $262 | 14.1% |
Colorado | $1,778 | -$82 | -4.4% |
Connecticut | $1,914 | $54 | 2.9% |
Delaware | $2,108 | $248 | 13.3% |
Florida | $2,328 | $468 | 25.2% |
Georgia | $1,718 | -$142 | -7.6% |
Hawaii | $1,336 | -$524 | -28.2% |
Idaho | $1,258 | -$602 | -32.4% |
Illinois | $1,388 | -$472 | -25.4% |
Indiana | $1,404 | -$456 | -24.5% |
Iowa | $1,256 | -$604 | -32.5% |
Kansas | $1,768 | -$92 | -4.9% |
Kentucky | $2,538 | $678 | 36.5% |
Louisiana | $2,756 | $896 | 48.2% |
Maine | $1,150 | -$710 | -38.2% |
Maryland | $1,536 | -$324 | -17.4% |
Massachusetts | $1,490 | -$370 | -19.9% |
Michigan | $3,234 | $1,374 | 73.9% |
Minnesota | $1,558 | -$302 | -16.2% |
Mississippi | $2,230 | $370 | 19.9% |
Missouri | $1,652 | -$208 | -11.2% |
Montana | $2,000 | $140 | 7.5% |
Nebraska | $1,468 | -$392 | -21.1% |
Nevada | $2,232 | $372 | 20.0% |
New Hampshire | $1,340 | -$520 | -28.0% |
New Jersey | $2,080 | $220 | 11.8% |
New Mexico | $1,648 | -$212 | -11.4% |
New York | $1,962 | $102 | 5.5% |
North Carolina | $1,072 | -$788 | -42.4% |
North Dakota | $1,524 | -$336 | -18.1% |
Ohio | $1,286 | -$574 | -30.9% |
Oklahoma | $1,910 | $50 | 2.7% |
Oregon | $1,704 | -$156 | -8.4% |
Pennsylvania | $1,776 | -$84 | -4.5% |
Rhode Island | $2,482 | $622 | 33.4% |
South Carolina | $1,686 | -$174 | -9.4% |
South Dakota | $1,570 | -$290 | -15.6% |
Tennessee | $1,630 | -$230 | -12.4% |
Texas | $2,242 | $382 | 20.5% |
Utah | $1,380 | -$480 | -25.8% |
Vermont | $1,274 | -$586 | -31.5% |
Virginia | $1,116 | -$744 | -40.0% |
Washington | $1,438 | -$422 | -22.7% |
West Virginia | $1,704 | -$156 | -8.4% |
Wisconsin | $1,288 | -$572 | -30.8% |
Wyoming | $1,658 | -$202 | -10.9% |
Since prices can be so different, the best way to find out your exact price is to compare prices from as many companies as possible. Each insurance company calculates prices differently, and quoted prices may be quite different between companies.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Tesla Model X | $540 | $1,124 | $372 | $2,194 |
2023 Tesla Model X | $516 | $1,080 | $390 | $2,144 |
2022 Tesla Model X | $494 | $1,072 | $398 | $2,122 |
2021 Tesla Model X | $478 | $1,046 | $416 | $2,098 |
2020 Tesla Model X | $462 | $1,002 | $430 | $2,052 |
2019 Tesla Model X | $436 | $966 | $442 | $2,002 |
2018 Tesla Model X | $420 | $898 | $452 | $1,928 |
2017 Tesla Model X | $402 | $844 | $456 | $1,860 |
2016 Tesla Model X | $386 | $758 | $460 | $1,762 |
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 the Right Tesla Model X Insurance
Getting lower rates on Tesla Model X insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every other policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a quick rundown of the ideas that were covered in the above illustrations.
- Teenage drivers are expensive to insure, costing up to $568 a month if full coverage is included
- High-risk drivers with reckless driving or DUI convictions may pay on average $2,210 more every year for auto insurance
- Increasing physical damage deductibles could save up to $825 each year
- You may be able to save up to $230 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $6,812 |
20 | $4,342 |
30 | $1,956 |
40 | $1,860 |
50 | $1,696 |
60 | $1,668 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $2,416 |
$250 | $2,156 |
$500 | $1,860 |
$1,000 | $1,580 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,860 |
50/100 | $1,951 |
100/300 | $2,065 |
250/500 | $2,362 |
100 CSL | $1,997 |
300 CSL | $2,248 |
500 CSL | $2,430 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $9,792 |
20 | $6,932 |
30 | $4,178 |
40 | $4,072 |
50 | $3,886 |
60 | $3,856 |
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 | $102 |
Multi-vehicle | $100 |
Homeowner | $26 |
5-yr Accident Free | $149 |
5-yr Claim Free | $124 |
Paid in Full/EFT | $93 |
Advance Quote | $98 |
Online Quote | $136 |
Total Discounts | $828 |
Discounts are estimated and may not be available from every company or in every state.
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