Tesla Model X Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 30, 2024
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The average auto insurance rates for a Tesla Model X are $1,762 annually including full coverage. Comprehensive insurance costs approximately $386, collision costs $758, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $3,840 or more. Teens cost the most to insure at $6,466 a year or more.
Average premium for full coverage: $1,762
Policy rates by type of insurance:
Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different Model X trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Tesla Model X insurance rates go from as cheap as $510 for minimum levels of liability insurance to a much higher rate of $3,840 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects auto insurance prices.
The examples above highlight why anyone shopping for car insurance should compare rates quotes using their specific location 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.
Additional Rate Details
The chart below breaks down estimated Tesla Model X insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $987
- Raising to $1,000 deductibles will save $258 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,762
- Selecting more expensive low deductibles costs an additional $506 every year
- At-risk drivers with serious driving violations could pay around $3,840 or more
- Policy cost with full coverage for a teen driver with full coverage can cost $6,466
Auto insurance rates for a Tesla Model X also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.
An older driver with a good 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 will have to pay in the ballpark of $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 are likely paying anywhere from $2,100 to $2,900 in extra premium 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 push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 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 $1,350 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,510 on average in Louisiana, 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% |
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates will be varied between companies.
| 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 Affordable Tesla Model X Insurance
Finding cheaper rates on car insurance consists of being a good driver, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to shop around at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following list is a brief review of the data raised in the charts and tables above.
- Policyholders who purchase an increased level of liability coverage will pay approximately $510 per year to raise from a 30/60 limit to higher 250/500 limits
- You may be able to save around $220 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $775 each year
- Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $539 each month if full coverage is included
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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