Tesla Model X Insurance Rates
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Michelle Robbins
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UPDATED: Mar 30, 2024
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The average insurance prices for a Tesla Model X are $1,674 every 12 months for full coverage insurance. Comprehensive costs an estimated $360, collision insurance costs $696, and liability coverage is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs around $3,650. Teen drivers cost the most to insure at up to $6,190 a year.
Average premium for full coverage: $1,674
Policy rates broken down by type of insurance:
Prices include $500 deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Model X models.
Price Range Variability
For a driver in their 40's, Tesla Model X insurance rates range from the cheapest price of $510 for just liability insurance to the much higher price of $3,650 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The example below illustrates how location helps determine insurance prices.
The examples above illustrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than using price 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.
More Rate Details
The chart below illustrates average Tesla Model X insurance rates for other coverage scenarios.
- The lowest rate with discounts is $944
- Raising to $1,000 deductibles will save approximately $238 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,674
- Choosing pricier low deductibles increases the price to $2,144
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,650
- Policy cost to insure a teenage driver for full coverage can cost as much as $6,190
Auto insurance rates for a Tesla Model X also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Choosing high deductibles can reduce rates by up to $710 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $6,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $2,000 to $2,700 in extra premium every year, depending on your age. Tesla Model X insurance for high-risk drivers is expensive and can cost around 44% to 133% more than average. View High Risk Driver Rates
Your home state also has a big influence on Tesla Model X insurance rates. A middle-age driver might find rates as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,260 on average in Florida, New York, 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% |
| 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 the Right Tesla Model X Insurance
Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having a good credit score, being claim-free, and consideration of higher deductibles. Invest time comparing rates once a year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a quick rundown of the data that was covered in the charts and tables above.
- It is possible to save approximately $210 per year just by quoting online well ahead of the renewal date
- Consumers who want higher liability limits will pay about $510 annually to raise from a 30/60 limit to a 250/500 level
- Teens are the costliest to insure, possibly costing $516 each month if comprehensive and collision insurance is included
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,980 more annually for Model X insurance
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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