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 auto insurance rates for a Tesla Model X are $1,674 annually for full coverage. Comprehensive insurance costs approximately $360 a year, collision costs $696, and liability insurance costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing $3,650 or more. Teenage drivers pay the highest rates at $6,190 a year or more.
Average premium for full coverage: $1,674
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 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 as cheap as $510 for minimum levels of liability insurance to a high of $3,650 for a driver who requires high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance rates. Rural locations have fewer accident claims than densely populated cities.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The ranges above show why it is important to compare rates using their specific location and their own personal driving habits, rather than relying on average rates.
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 shows estimated Tesla Model X insurance rates for additional coverage and risk scenarios.
- The best discount rate is $944
- Drivers who choose higher $1,000 deductibles will pay $1,436 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,674
- Using low $100 deductibles for comprehensive and collision insurance costs an additional $470 a year
- High risk drivers who are prone to accidents and violations could pay around $3,650 or more
- The price with full coverage for a teen driver can cost $6,190 a year
Car insurance prices for a Tesla Model X are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $6,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $2,000 to $2,700 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $710 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Tesla Model X insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,390 on average in New York, Louisiana, and Michigan.
| 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 only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes may be quite different between companies.
| 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 Buy the Right Tesla Model X Insurance
Getting lower rates on Tesla Model X insurance not only requires avoiding accidents and violations, but also having a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Set aside time to shop around at every other renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a quick rundown of the concepts that were raised in the charts and tables above.
- High-risk drivers with reckless driving or DUI convictions pay on average $1,980 more per year for car insurance
- Teenagers pay the highest auto insurance prices, with premiums as much as $516 a month if comprehensive and collision insurance is included
- Drivers can save around $210 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $700 each year
- Drivers can save around $210 per year simply by quoting early and online
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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