Tesla Model X Insurance Rates
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UPDATED: Mar 30, 2024
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The average insurance prices for a Tesla Model X are $1,860 every 12 months including full coverage. Comprehensive costs approximately $402, collision insurance costs $844, and liability insurance is estimated at $456. A liability-only policy costs approximately $508 a year, and high-risk insurance costs around $4,072. Teenage drivers cost the most to insure at up to $6,812 a year.
Average premium for full coverage: $1,860
Policy rates by type of insurance:
Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Model X models.
Price Range Variability
For a driver around age 40, Tesla Model X insurance rates range from the cheapest price of $508 for minimum levels of liability insurance to the much higher price of $4,072 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above highlight why everyone should get quotes using their specific location and their own driving history, rather than relying on 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 breaks down average Tesla Model X insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,032
- Choosing higher $1,000 deductibles can save $280 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,860
- Using pricier low deductibles for comp and collision coverage increases the price to $2,416
- High-risk insureds who are prone to accidents and violations could pay around $4,072
- Policy cost to insure a teen driver for full coverage can cost $6,812 each year
Car insurance rates for a Tesla Model X also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Model X.
Using high physical damage deductibles can save as much as $840 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,700 annually on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $6,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $2,200 to $3,000 extra every year, depending on your age. Tesla Model X insurance for high-risk drivers ranges anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Tesla Model X insurance rates. A good driver about age 40 could pay as low as $1,430 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,660 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 Shop for Cheaper Tesla Model X Insurance
Finding cheaper rates on Tesla Model X insurance takes being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Set aside time to compare rates at every other renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
Below is a condensed summary of the concepts that were covered above.
- High-risk drivers with multiple at-fault accidents could be charged and average of $2,210 more per year for auto insurance
- Teenage drivers pay the highest auto insurance rates, with premiums being up to $568 each month if the policy includes full coverage
- You may be able to save around $230 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $825 each year
- You may be able to save around $230 per year just by quoting online well ahead of the renewal date
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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