Tesla Model X Insurance Rates
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Michelle Robbins
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UPDATED: Mar 30, 2024
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U.S. average insurance rates for a Tesla Model X are $1,762 a year for full coverage insurance. Comprehensive costs an estimated $386 a year, collision costs $758, and liability insurance costs around $460. A policy with just liability insurance costs as low as $510 a year, with coverage for high-risk drivers costing around $3,840. Teens pay the highest rates at $6,466 a year or more.
Average premium for full coverage: $1,762
Price estimates broken down by individual coverage:
These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Model X trim levels.
Price Range from Low to High
For a driver around age 40, Tesla Model X insurance prices go from as low as $510 for your basic liability-only policy to a high of $3,840 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
The ranges above illustrate why it is important to compare prices for a targeted area and risk profile, 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.
More Rate Information
The chart below illustrates estimated Tesla Model X insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $987
- Using higher $1,000 deductibles will save approximately $1,504 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,762
- Selecting low $100 deductibles for physical damage coverage will increase the cost to $2,268
- Drivers with serious driving violations could pay up to $3,840 or more
- The price for full coverage for a teen driver can cost as much as $6,466 or more
Insurance prices for a Tesla Model X are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles could pay as little as $1,600 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $6,400 a year. View Rates by Age
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 $1,150 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,380 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $770 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $2,100 to $2,900 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 133% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Each insurance company calculates prices differently, so the prices may be quite different from one company to the next.
| 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 Find Cheap Tesla Model X Insurance
Getting lower rates on Tesla Model X insurance requires not taking risks behind the wheel, maintaining good credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every other policy renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following is a brief summary of the ideas that were covered above.
- Teens are charged the highest prices, as much as $539 a month for full coverage
- High-risk drivers that tend to have accidents or serious violations pay on average $2,080 more annually for Model X insurance
- Increasing physical damage deductibles can save around $775 each year
- It is possible to save approximately $220 per year simply by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,268 |
| $250 | $2,032 |
| $500 | $1,762 |
| $1,000 | $1,504 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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