Tesla Model X Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 30, 2024
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U.S. average insurance prices for a Tesla Model X are $1,762 every 12 months for full coverage insurance. Comprehensive costs on average $386 a year, collision insurance costs $758, and liability insurance is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $3,840. 16-year-old drivers pay the highest rates at up to $6,466 a year.
Average premium for full coverage: $1,762
Price estimates by individual coverage:
Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Model X trim levels.
Price Range from Low to High
For a driver around age 40, Tesla Model X insurance prices range from the cheapest price of $510 for minimum levels of liability insurance to a high of $3,840 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on insurance rates. Rural areas have more infrequent physical damage claims than congested cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above illustrate why it is important to compare rates quotes based on a specific location and their own driving history, rather than relying on 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.
Additional Rate Details
The chart below illustrates average Tesla Model X insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $987
- Raising to $1,000 deductibles will save around $1,504 each year
- The average price for the average middle-age driver with $500 deductibles is $1,762
- Buying low $100 deductibles increases the price to $2,268
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,840
- The price to insure a teen driver may cost $6,466
Auto insurance prices for a Tesla Model X are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Model X.
Opting for high physical damage deductibles can reduce prices by up to $770 each year, while buying higher liability limits will cost you more. Switching 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 could pay as little as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay upwards of $6,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $2,100 to $2,900 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 133% more than the average rate. 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 $1,150 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,380 on average in Michigan, New York, and Florida.
| 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% |
| 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 Shop for Low Cost Tesla Model X Insurance
Getting lower rates on Tesla Model X insurance consists of having a good driving record, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a review of the information covered above.
- It is possible to save as much as $220 per year just by quoting early and online
- Drivers age 20 and younger are charged the highest prices, as much as $539 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles could save as much as $775 each year
- High-risk drivers who have several accidents or serious violations pay on average $2,080 more each year to buy Tesla Model X insurance
- Drivers who require increased levels of liability coverage will pay around $510 annually to raise from a low limit to a 250/500 level
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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