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 prices for a Tesla Model X are $1,674 every 12 months with full coverage. Comprehensive costs on average $360 a year, collision costs $696, and liability coverage is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $3,650. Teens pay the highest rates at $6,190 a year or more.
Average premium for full coverage: $1,674
Price estimates by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Model X trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Tesla Model X insurance prices go from the cheapest price of $510 for a discount liability-only rate to a high of $3,650 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on auto insurance rates. Rural areas have more infrequent collision claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects car insurance rates.
The ranges above demonstrate why it is important to compare rates quotes based on a specific location and their own driving history, rather than 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 details estimated Tesla Model X insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $944
- Raising to $1,000 deductibles will save around $1,436 annually
- The average price for the average middle-age driver with $500 deductibles is $1,674
- Selecting low $100 deductibles increases the price to $2,144
- Unlucky drivers with serious driving violations could pay upwards of $3,650 or more
- The price to insure a teenage driver may cost $6,190
Auto insurance prices for a Tesla Model X are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Model X.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $710 a year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,600 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $6,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $2,000 to $2,700 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 133% more than the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Tesla Model X insurance rates. A middle-age driver might find prices as low as $1,210 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,260 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,516 | -$158 | -9.4% |
| Alaska | $1,284 | -$390 | -23.3% |
| Arizona | $1,392 | -$282 | -16.8% |
| Arkansas | $1,674 | -$0 | 0.0% |
| California | $1,908 | $234 | 14.0% |
| Colorado | $1,602 | -$72 | -4.3% |
| Connecticut | $1,722 | $48 | 2.9% |
| Delaware | $1,896 | $222 | 13.3% |
| Florida | $2,094 | $420 | 25.1% |
| Georgia | $1,546 | -$128 | -7.6% |
| Hawaii | $1,202 | -$472 | -28.2% |
| Idaho | $1,134 | -$540 | -32.3% |
| Illinois | $1,248 | -$426 | -25.4% |
| Indiana | $1,262 | -$412 | -24.6% |
| Iowa | $1,130 | -$544 | -32.5% |
| Kansas | $1,592 | -$82 | -4.9% |
| Kentucky | $2,286 | $612 | 36.6% |
| Louisiana | $2,480 | $806 | 48.1% |
| Maine | $1,034 | -$640 | -38.2% |
| Maryland | $1,384 | -$290 | -17.3% |
| Massachusetts | $1,340 | -$334 | -20.0% |
| Michigan | $2,910 | $1,236 | 73.8% |
| Minnesota | $1,404 | -$270 | -16.1% |
| Mississippi | $2,006 | $332 | 19.8% |
| Missouri | $1,486 | -$188 | -11.2% |
| Montana | $1,800 | $126 | 7.5% |
| Nebraska | $1,322 | -$352 | -21.0% |
| Nevada | $2,010 | $336 | 20.1% |
| New Hampshire | $1,208 | -$466 | -27.8% |
| New Jersey | $1,872 | $198 | 11.8% |
| New Mexico | $1,486 | -$188 | -11.2% |
| New York | $1,766 | $92 | 5.5% |
| North Carolina | $966 | -$708 | -42.3% |
| North Dakota | $1,372 | -$302 | -18.0% |
| Ohio | $1,156 | -$518 | -30.9% |
| Oklahoma | $1,722 | $48 | 2.9% |
| Oregon | $1,534 | -$140 | -8.4% |
| Pennsylvania | $1,598 | -$76 | -4.5% |
| Rhode Island | $2,236 | $562 | 33.6% |
| South Carolina | $1,518 | -$156 | -9.3% |
| South Dakota | $1,414 | -$260 | -15.5% |
| Tennessee | $1,468 | -$206 | -12.3% |
| Texas | $2,020 | $346 | 20.7% |
| Utah | $1,240 | -$434 | -25.9% |
| Vermont | $1,146 | -$528 | -31.5% |
| Virginia | $1,004 | -$670 | -40.0% |
| Washington | $1,296 | -$378 | -22.6% |
| West Virginia | $1,536 | -$138 | -8.2% |
| Wisconsin | $1,160 | -$514 | -30.7% |
| Wyoming | $1,492 | -$182 | -10.9% |
Since prices can be so different, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, and quoted prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Tesla Model X | $494 | $1,072 | $398 | $2,122 |
| 2023 Tesla Model X | $478 | $1,046 | $416 | $2,098 |
| 2022 Tesla Model X | $462 | $1,002 | $430 | $2,052 |
| 2021 Tesla Model X | $436 | $966 | $442 | $2,002 |
| 2020 Tesla Model X | $420 | $898 | $452 | $1,928 |
| 2019 Tesla Model X | $402 | $844 | $456 | $1,860 |
| 2018 Tesla Model X | $386 | $758 | $460 | $1,762 |
| 2017 Tesla Model X | $360 | $696 | $460 | $1,674 |
| 2016 Tesla Model X | $348 | $654 | $464 | $1,624 |
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 Affordable Tesla Model X Insurance
Getting lower rates on auto insurance consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around once a year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a brief review of the data that was raised in the charts and tables above.
- You may be able to save as much as $210 per year simply by quoting early and online
- Consumers who require additional liability coverage will pay approximately $510 every year to raise from a low limit to a 250/500 level
- 16 to 18-year-old drivers are charged the highest prices, costing up to $516 a month if comprehensive and collision insurance is included
- Drivers with DUI or reckless driving convictions may pay on average $1,980 more each year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,190 |
| 20 | $3,884 |
| 30 | $1,754 |
| 40 | $1,674 |
| 50 | $1,528 |
| 60 | $1,502 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,144 |
| $250 | $1,926 |
| $500 | $1,674 |
| $1,000 | $1,436 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,674 |
| 50/100 | $1,766 |
| 100/300 | $1,881 |
| 250/500 | $2,180 |
| 100 CSL | $1,812 |
| 300 CSL | $2,065 |
| 500 CSL | $2,249 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,872 |
| 20 | $6,196 |
| 30 | $3,736 |
| 40 | $3,650 |
| 50 | $3,482 |
| 60 | $3,454 |
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 | $91 |
| Multi-vehicle | $89 |
| Homeowner | $24 |
| 5-yr Accident Free | $129 |
| 5-yr Claim Free | $110 |
| Paid in Full/EFT | $80 |
| Advance Quote | $86 |
| Online Quote | $121 |
| Total Discounts | $730 |
Discounts are estimated and may not be available from every company or in every state.
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