Tesla Model X Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average auto insurance rates for a Tesla Model X are $1,860 annually with full coverage. Comprehensive costs on average $402, collision costs $844, and liability is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing around $4,072. Teen drivers cost the most to insure at $6,812 a year or more.
Average premium for full coverage: $1,860
Policy rates by type of insurance:
Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Model X models.
Price Range Variability
For the average 40-year-old driver, Tesla Model X insurance rates go from as cheap as $508 for just liability coverage to the much higher price of $4,072 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on auto insurance rates. Rural areas are shown to have fewer collision claims than larger metro areas.
The example below illustrates the difference location can make on car insurance rates.
The examples above demonstrate why everyone should get quotes based on a specific location and their own personal driving habits, 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.
Detailed Rate Analysis
The chart below details estimated Tesla Model X insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,032
- Choosing higher $1,000 deductibles can save around $280 annually
- The estimated rate for a good driver age 40 with $500 deductibles is $1,860
- Choosing pricier low deductibles for comp and collision coverage will cost $2,416
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $4,072 or more
- Policy cost with full coverage for a teen driver for full coverage may cost $6,812 each year
Car insurance rates for a Tesla Model X also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,700 annually on average, or $142 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $6,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $2,200 to $3,000 extra every year, depending on your age. Tesla Model X insurance for high-risk drivers ranges as much as 44% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $840 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Tesla Model X insurance prices. A good driver about age 40 could pay as low as $1,340 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,510 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,684 | -$176 | -9.5% |
| Alaska | $1,428 | -$432 | -23.2% |
| Arizona | $1,546 | -$314 | -16.9% |
| Arkansas | $1,860 | -$0 | 0.0% |
| California | $2,122 | $262 | 14.1% |
| Colorado | $1,778 | -$82 | -4.4% |
| Connecticut | $1,914 | $54 | 2.9% |
| Delaware | $2,108 | $248 | 13.3% |
| Florida | $2,328 | $468 | 25.2% |
| Georgia | $1,718 | -$142 | -7.6% |
| Hawaii | $1,336 | -$524 | -28.2% |
| Idaho | $1,258 | -$602 | -32.4% |
| Illinois | $1,388 | -$472 | -25.4% |
| Indiana | $1,404 | -$456 | -24.5% |
| Iowa | $1,256 | -$604 | -32.5% |
| Kansas | $1,768 | -$92 | -4.9% |
| Kentucky | $2,538 | $678 | 36.5% |
| Louisiana | $2,756 | $896 | 48.2% |
| Maine | $1,150 | -$710 | -38.2% |
| Maryland | $1,536 | -$324 | -17.4% |
| Massachusetts | $1,490 | -$370 | -19.9% |
| Michigan | $3,234 | $1,374 | 73.9% |
| Minnesota | $1,558 | -$302 | -16.2% |
| Mississippi | $2,230 | $370 | 19.9% |
| Missouri | $1,652 | -$208 | -11.2% |
| Montana | $2,000 | $140 | 7.5% |
| Nebraska | $1,468 | -$392 | -21.1% |
| Nevada | $2,232 | $372 | 20.0% |
| New Hampshire | $1,340 | -$520 | -28.0% |
| New Jersey | $2,080 | $220 | 11.8% |
| New Mexico | $1,648 | -$212 | -11.4% |
| New York | $1,962 | $102 | 5.5% |
| North Carolina | $1,072 | -$788 | -42.4% |
| North Dakota | $1,524 | -$336 | -18.1% |
| Ohio | $1,286 | -$574 | -30.9% |
| Oklahoma | $1,910 | $50 | 2.7% |
| Oregon | $1,704 | -$156 | -8.4% |
| Pennsylvania | $1,776 | -$84 | -4.5% |
| Rhode Island | $2,482 | $622 | 33.4% |
| South Carolina | $1,686 | -$174 | -9.4% |
| South Dakota | $1,570 | -$290 | -15.6% |
| Tennessee | $1,630 | -$230 | -12.4% |
| Texas | $2,242 | $382 | 20.5% |
| Utah | $1,380 | -$480 | -25.8% |
| Vermont | $1,274 | -$586 | -31.5% |
| Virginia | $1,116 | -$744 | -40.0% |
| Washington | $1,438 | -$422 | -22.7% |
| West Virginia | $1,704 | -$156 | -8.4% |
| Wisconsin | $1,288 | -$572 | -30.8% |
| Wyoming | $1,658 | -$202 | -10.9% |
Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so rate quotes will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Tesla Model X | $540 | $1,124 | $372 | $2,194 |
| 2023 Tesla Model X | $516 | $1,080 | $390 | $2,144 |
| 2022 Tesla Model X | $494 | $1,072 | $398 | $2,122 |
| 2021 Tesla Model X | $478 | $1,046 | $416 | $2,098 |
| 2020 Tesla Model X | $462 | $1,002 | $430 | $2,052 |
| 2019 Tesla Model X | $436 | $966 | $442 | $2,002 |
| 2018 Tesla Model X | $420 | $898 | $452 | $1,928 |
| 2017 Tesla Model X | $402 | $844 | $456 | $1,860 |
| 2016 Tesla Model X | $386 | $758 | $460 | $1,762 |
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 Affordable Tesla Model X Insurance
Finding cheaper rates on car insurance takes having a good driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Make time to compare rates every other policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The next list is a brief review of the ideas that were touched on in this article.
- Drivers age 20 and younger are expensive to insure, as much as $568 each month if comprehensive and collision insurance is included
- Higher risk drivers with DUI or reckless driving convictions pay an average of $2,210 more each year to buy Tesla Model X insurance
- Increasing comprehensive and collision deductibles could save up to $825 each year
- You may be able to save as much as $230 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,812 |
| 20 | $4,342 |
| 30 | $1,956 |
| 40 | $1,860 |
| 50 | $1,696 |
| 60 | $1,668 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,416 |
| $250 | $2,156 |
| $500 | $1,860 |
| $1,000 | $1,580 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,860 |
| 50/100 | $1,951 |
| 100/300 | $2,065 |
| 250/500 | $2,362 |
| 100 CSL | $1,997 |
| 300 CSL | $2,248 |
| 500 CSL | $2,430 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,792 |
| 20 | $6,932 |
| 30 | $4,178 |
| 40 | $4,072 |
| 50 | $3,886 |
| 60 | $3,856 |
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 | $102 |
| Multi-vehicle | $100 |
| Homeowner | $26 |
| 5-yr Accident Free | $149 |
| 5-yr Claim Free | $124 |
| Paid in Full/EFT | $93 |
| Advance Quote | $98 |
| Online Quote | $136 |
| Total Discounts | $828 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
