Tesla Model X Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 30, 2024
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Average insurance prices for a Tesla Model X are $1,674 every 12 months with full coverage. Comprehensive insurance costs approximately $360, collision costs $696, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing $3,650 or more. Teen drivers receive the highest rates at $6,190 a year or more.
Average premium for full coverage: $1,674
Rate estimates by individual coverage type:
Includes $500 policy deductibles, minimum liability limits, 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 a 40-year-old driver, prices range go from the cheapest price of $510 for a discount liability-only rate to the much higher price of $3,650 for high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on the price of insurance. Rural locations tend to have more infrequent collision claims than larger metro areas.
The example below illustrates how your location can change auto insurance prices.
These examples demonstrate why everyone should get quotes using their specific location and their own driving history, instead of 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.
Rates by State, City, and Model
The chart below details estimated Tesla Model X insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $944
- Choosing higher $1,000 deductibles can save $238 annually
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,674
- Choosing pricier low deductibles for comp and collision coverage costs an extra $470 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $3,650 or more
- The cost to insure a teen driver for full coverage can cost $6,190 each year
Insurance rates for a Tesla Model X can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Model X.
Choosing high deductibles can save as much as $710 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $1,600 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $2,000 to $2,700 extra per year, depending on your age. Tesla Model X insurance for high-risk drivers ranges as much as 44% to 133% more than average. View High Risk Driver Rates
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 $1,210 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,260 on average in New York, Michigan, and Florida.
| 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% |
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates can be significantly different.
| 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 Cheapest Tesla Model X Insurance
Saving money on car insurance takes avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every couple of years by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The points below are a recap of the material that was illustrated above.
- Policyholders who purchase increased liability limits will pay about $510 every year to raise limits from a minimum limit to a 250/500 level
- Drivers under the age of 20 are expensive to insure, with premiums as much as $516 per month if they have full coverage
- Higher risk drivers that have major violations or accidents could be forced to pay on average $1,980 more per year to insure a Tesla Model X
- Increasing deductibles could save as much as $700 each year
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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