Tesla Model X Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $402
Collision $844
Liability $456

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.

Liability Only $508
Full Coverage $1,860
High Risk $4,072

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.

Rural Areas $1,395
Small Cities $1,953
Large Cities $2,511

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

View Chart as Image

Tesla Model X insurance cost comparison chart
Column chart showing full coverage Tesla Model X insurance prices range from $1,032 to $6,812

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.

Tesla Model X Insurance Rates by State
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%

View Chart as Image

Tesla Model X insurance rates by U.S. city

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.

Tesla Model X Insurance Rates by Model Year
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

Rates by Driver Age

Tesla Model X Insurance 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

Tesla Model X Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,416
$250 $2,156
$500 $1,860
$1,000 $1,580

Full coverage, driver age 40

Rates by Liability Limit

Tesla Model X Insurance Rates with Different Liability Limits
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

Tesla Model X Insurance 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.

SR-22 Surcharge $271

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
Rate after discounts $1,032

Discounts are estimated and may not be available from every company or in every state.

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