Tesla Model X Insurance Rates

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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 insurance. Comprehensive costs approximately $360, collision costs $696, and liability coverage is $460. A policy with just liability insurance costs around $510 a year, with coverage for high-risk drivers costing around $3,650. Teens pay the highest rates at $6,190 a year or more.

Average premium for full coverage: $1,674

Price estimates by individual coverage:

Comprehensive $360
Collision $696
Liability $460

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Model X models.

Price Range from Low to High

For the average driver, Tesla Model X insurance prices go from as cheap as $510 for just liability insurance to the much higher price of $3,650 for a high-risk driver policy.

Liability Only $510
Full Coverage $1,674
High Risk $3,650

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance prices.

Rural Areas $1,256
Small Cities $1,758
Large Cities $2,260

The ranges above illustrate why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than 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.

More Rate Details

The chart below illustrates estimated Tesla Model X insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $944
  • Raising to $1,000 deductibles will save $238 each year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,674
  • Selecting pricier low deductibles will cost $2,144
  • Unlucky drivers with serious driving violations could pay around $3,650 or more
  • The price with full coverage for a teenage driver for full coverage can cost $6,190

View Chart as Image

Tesla Model X insurance cost comparison chart
Column chart showing full coverage Tesla Model X insurance rates range from $944 to $6,190

Insurance prices for a Tesla Model X are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,600 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay 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 are probably paying anywhere from $2,000 to $2,700 extra each year, depending on your age. Tesla Model X insurance for high-risk drivers is expensive and can cost around 44% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $710 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

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 $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,260 on average in Florida, New York, and Michigan.

Tesla Model X Insurance Rates by State
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%

View Chart as Image

Tesla Model X insurance rates by U.S. city

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company calculates prices differently, so the prices may be quite different between companies.

Tesla Model X Insurance Rates by Model Year
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 Low Cost Tesla Model X Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and maximizing policy discounts. Spend time shopping around every time your policy renews by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a review of the information touched on above.

  • It is possible to save around $210 per year simply by quoting online well ahead of the renewal date
  • Teenagers are expensive to insure, as much as $516 a month including comprehensive and collision insurance
  • Increasing physical damage deductibles could save up to $700 each year
  • Drivers who have several accidents or serious violations could be forced to pay on average $1,980 more per year for car insurance
  • Consumers who purchase higher liability limits will pay approximately $510 annually to raise from a low limit to higher 250/500 limits

Rates by Driver Age

Tesla Model X Insurance 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

Tesla Model X Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,144
$250 $1,926
$500 $1,674
$1,000 $1,436

Full coverage, driver age 40

Rates by Liability Limit

Tesla Model X Insurance Rates with Different Liability Limits
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

Tesla Model X Insurance 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.

SR-22 Surcharge $240

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
Rate after discounts $944

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

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