Tesla Model X Insurance Rates

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UPDATED: Mar 30, 2024

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Average insurance rates for a Tesla Model X are $1,762 a year with full coverage. Comprehensive insurance costs around $386, collision insurance costs $758, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs $3,840 or more. 16-year-old drivers receive the highest rates at up to $6,466 a year.

Average premium for full coverage: $1,762

Rate estimates for individual coverage type:

Comprehensive $386
Collision $758
Liability $460

Includes $500 deductible amounts, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for all Model X models.

Price Range by Coverage and Risk

For an average driver, prices range range from the low end price of $510 for a discount liability-only rate to the much higher price of $3,840 for a policy for a high-risk driver.

Liability Only $510
Full Coverage $1,762
High Risk $3,840

Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than congested cities. The example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,322
Small Cities $1,850
Large Cities $2,379

These examples demonstrate why everyone should get quotes for a specific zip code, instead of using rate 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.

Rates by State, City, and Model

The chart below details average Tesla Model X insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $987
  • Choosing higher $1,000 deductibles can save about $258 annually
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,762
  • Buying pricier low deductibles for comp and collision coverage will cost an additional $506 every year
  • Unlucky drivers with multiple tickets or accidents could pay at least $3,840
  • The cost that insures a teen driver for full coverage can be $6,466 each year

View Chart as Image

Tesla Model X insurance cost comparison chart
Column chart showing Tesla Model X insurance prices range from $987 to $6,466 for full coverage

Car insurance rates for a Tesla Model X can also vary considerably based on the model of your Model X, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $2,100 to $2,900 extra per year, depending on your age. Tesla Model X insurance for high-risk drivers ranges as much as 45% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,600 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $6,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Tesla Model X insurance prices. A good driver about age 40 could pay as low as $1,270 a year in states like New Hampshire, Ohio, and Utah, or at least $2,380 on average in Florida, Michigan, and New York.

Tesla Model X Insurance Rates by State
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%

View Chart as Image

Tesla Model X insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $770 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Tesla Model X Insurance Rates by Model Year
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 the Cheapest Tesla Model X Insurance

Saving money on car insurance takes having a good driving record, having a positive credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop every year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a recap of the coverage data covered in the above illustrations.

  • You may be able to save up to $220 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $775 each year
  • Drivers age 20 and younger are the costliest to insure, with premiums as much as $539 per month if full coverage is purchased
  • Higher risk drivers that have major violations or accidents may pay on average $2,080 more every year to buy Tesla Model X insurance

Rates by Driver Age

Tesla Model X Insurance 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

Tesla Model X Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,268
$250 $2,032
$500 $1,762
$1,000 $1,504

Full coverage, driver age 40

Rates by Liability Limit

Tesla Model X Insurance Rates with Different Liability Limits
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

Tesla Model X Insurance 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.

SR-22 Surcharge $254

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
Rate after discounts $987

Discounts are estimated and may not be available from every company or in every state.

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