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 $1,860 annually for full coverage insurance. Comprehensive insurance costs around $402 each year, collision costs $844, and liability insurance costs $456. A policy with just liability insurance costs as little as $508 a year, with coverage for high-risk drivers costing $4,072 or more. 16-year-old drivers pay the highest rates at $6,812 a year or more.
Average premium for full coverage: $1,860
Price estimates for individual coverage:
Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Model X models.
Price Range from Low to High
For a driver around age 40, Tesla Model X insurance prices go from as cheap as $508 for a discount liability-only rate to a high rate of $4,072 for a driver that may need high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance rates. Areas with sparse population have fewer physical damage claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than relying on rate 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 illustrates estimated Tesla Model X insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,032
- Drivers who choose higher $1,000 deductibles will pay about $280 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,860
- Buying low deductibles for comprehensive and collision insurance costs an additional $556 a year
- High risk drivers with multiple tickets or accidents could pay at least $4,072 or more
- The price with full coverage for a teen driver can be $6,812 a year
Insurance prices for a Tesla Model X are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,700 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $6,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at least $2,200 to $3,000 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $840 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Tesla Model X insurance rates. A 40-year-old driver could pay as low as $1,220 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,510 on average in Michigan, New York, and Florida.
| 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% |
Since prices can be so different, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, so the prices may be quite different 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 Low Cost Tesla Model X Insurance
Getting lower rates on Tesla Model X insurance not only requires being a safe and courteous driver, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates once a year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a review of the data that was covered above.
- It is possible to save up to $230 per year simply by quoting online in advance
- Drivers who may need higher levels of liability will pay around $500 annually to go from a low limit to higher 250/500 limits
- Teenage drivers pay higher prices, as much as $568 a month including comprehensive and collision insurance
- High-risk drivers who have several accidents or serious violations pay on average $2,210 more every year for auto insurance
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.
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