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. Comprehensive costs an estimated $386, collision costs $758, and liability is $460. Buying just liability costs around $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 broken down by type of insurance:

Comprehensive $386
Collision $758
Liability $460

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Model X trim levels.

Price Range Variability

For the normal driver, Tesla Model X insurance rates go from as cheap as $510 for a discount liability-only rate to a much higher rate of $3,840 for a policy for a high-risk driver.

Liability Only $510
Full Coverage $1,762
High Risk $3,840

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects insurance prices.

Rural Areas $1,322
Small Cities $1,850
Large Cities $2,379

The examples above show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of using 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 shows estimated Tesla Model X insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $987
  • Raising to $1,000 deductibles will save approximately $258 a year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,762
  • Selecting more expensive low deductibles will cost $2,268
  • At-risk drivers with serious driving violations could pay up to $3,840 or more
  • Policy cost with full coverage for a teen driver with full coverage can cost as much as $6,466

View Chart as Image

Tesla Model X insurance cost comparison chart
Column chart showing full coverage Tesla Model X insurance rates range from $987 to $6,466

Insurance rates for a Tesla Model X also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,600 every 12 months on average, 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 at least $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 could be paying $2,100 to $2,900 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $770 every year, while increasing your policy's liability limits will increase premiums. Going 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 also has a big influence on Tesla Model X insurance prices. A middle-age driver might find rates as low as $1,160 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,510 on average in New York, Louisiana, and Michigan.

Tesla Model X Insurance Rates by State
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%

View Chart as Image

Tesla Model X insurance rates by U.S. city

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, so the rates will be varied between companies.

Tesla Model X Insurance Rates by Model Year
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 the Best Cheap Tesla Model X Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a quick review of the coverage data presented in the illustrations above.

  • Drivers can save approximately $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 charged the highest rates, costing up to $539 each month including comprehensive and collision insurance
  • Higher risk drivers with a DUI or reckless driving violation may pay on average $2,080 more annually than a driver with a clean driving record

Rates by Driver Age

Tesla Model X Insurance 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

Tesla Model X Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,268
$250 $2,032
$500 $1,762
$1,000 $1,504

Full coverage, driver age 40

Rates by Liability Limit

Tesla Model X Insurance Rates with Different Liability Limits
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

Tesla Model X Insurance 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.

SR-22 Surcharge $254

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
Rate after discounts $987

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

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