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 including full coverage. Comprehensive costs approximately $360 each year, collision insurance costs $696, and liability insurance is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $3,650. Teens cost the most to insure at up to $6,190 a year.
Average premium for full coverage: $1,674
Policy rates by type of insurance:
Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Model X models.
Price Range Variability
Using a middle-aged driver as an example, Tesla Model X insurance rates range from the cheapest price of $510 for minimum levels of liability insurance to a high rate of $3,650 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance prices.
The examples above highlight why all drivers should compare rates quotes using their specific location and their own driving history, rather than relying on 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.
Additional Rate Details
The chart below breaks down average 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 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,674
- Selecting low deductibles increases the price to $2,144
- Higher-risk drivers with serious driving violations could pay around $3,650
- Policy cost to insure a teen driver can cost $6,190
Insurance rates for a Tesla Model X also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Model X.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $710 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $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 likely paying anywhere from $2,000 to $2,700 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 133% more than the average policy. 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 $1,280 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,390 on average in Louisiana, 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 More Affordable Tesla Model X Insurance
Finding cheaper rates on Tesla Model X insurance consists of being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
Below is a summary of the ideas that were touched on in the above illustrations.
- Teenage drivers are the costliest to insure, with premiums being up to $516 each month if full coverage is included
- High-risk drivers who have multiple accidents or major violations could be charged and average of $1,980 more per year for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $700 each year
- You may be able to save around $210 per year just by quoting online in advance
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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