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 for full coverage insurance. Comprehensive costs around $402, collision costs $844, and liability costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing around $4,072. Teen drivers pay the highest rates at $6,812 a year or more.
Average premium for full coverage: $1,860
Price estimates for individual coverage:
These estimates include $500 deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different Model X trim levels.
Price Range from Low to High
For the average 40-year-old driver, Tesla Model X insurance prices go from as cheap as $508 for the bare minimum liability coverage to a much higher rate of $4,072 for a high-risk insurance policy.
Geographic Price Range
Your location can make a big difference on car insurance rates. Areas with sparse population have fewer physical damage claims than larger metro areas.
The price range example below illustrates the difference location can make on auto insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.
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 Information
The chart below illustrates estimated Tesla Model X insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,032
- Drivers who choose higher $1,000 deductibles will pay about $280 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,860
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost $2,416
- Drivers with multiple violations and an at-fault accident could pay at least $4,072 or more
- The price with full coverage for a 16-year-old driver with full coverage can be $6,812 a year
Auto insurance prices for a Tesla Model X are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,700 per year on average for full coverage. Prices are highest 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 are probably paying at least $2,200 to $3,000 in extra premium each year, depending on your age. High-risk driver insurance can cost from 44% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $840 annually, while increasing your policy's liability limits will increase prices. Switching 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 makes a big difference in Tesla Model X insurance prices. A 40-year-old driver could pay as low as $1,220 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,510 on average in Michigan, New York, and Florida.
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 only way to figure out your exact price is to compare prices from multiple companies. Every company uses a different rate calculation, 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 Cheap Tesla Model X Insurance
Getting lower rates on insurance for a Tesla Model X not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates at least every other year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a brief summary of the car insurance concepts touched on in this article.
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $2,210 more every year for Model X insurance
- It is possible to save up to $230 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $825 each year
- Insureds who may need higher liability limits will pay about $500 annually to go from a low limit to higher 250/500 limits
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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