Tesla Model X Car Insurance Cost

If you’re looking to insure a Tesla Model X, it typically costs about $305 per year through Safeco. However, the actual cost can vary based on factors like your age, the year of your car model, and other considerations. Check out our quote tables below to get a more accurate estimate tailored to your specific circumstances.

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Updated: 11 October 2024
Written by Ahmed
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If you’re thinking about buying a Tesla Model X, you’ll need to think about the insurance costs. Insurance is a crucial part of owning a car, and it’s essential to understand what you’re committing to before making a purchase.

Choosing the right car insurance is vital to avoid unexpected and potentially high expenses later on. You don’t want to end up with insufficient coverage if an accident happens, leaving you with hefty out-of-pocket costs. Additionally, if you’re found at fault, your premiums could increase.

Having analyzed car insurance rates for over a decade, I’ve seen how much these costs can vary. Factors like your age, driving history, and where you live can significantly impact your insurance premiums.

How Much Does Tesla Model X Car Insurance Cost?

Typically, Safeco provides the most competitive price at $305 annually for comprehensive insurance covering a 2024 Tesla Model X.

While Safeco’s price is a useful reference point, it’s essential to recognize that car insurance costs can vary significantly based on several factors. These factors include where you live, your driving record, the age of your car, and the specific coverage options you select. Having a clean driving history generally results in lower premiums, while a record of accidents or traffic violations can lead to higher costs.

Moreover, residing in urban areas with heavy traffic typically leads to higher insurance rates compared to rural areas with lighter traffic. The type of coverage you opt for also affects your premium – comprehensive coverage, including protection against damage and collisions, tends to be more expensive than basic liability coverage.

Insuranceopedia is available to assist you in comparing quotes from different insurance providers, ensuring you secure the most favorable deal.

2024 Tesla Model X Insurance Rates

Insurance Provider Average Annual Cost
Capital Insurance Group $1,525
SECURA Insurance $2,845
Country $2,260
California Capital $1,910
Safeco $305
Pekin Insurance $1,670
Dairyland Broadform $1,320
Hastings Mutual Insurance Co $2,340
Auto-Owners Insurance Co $2,450
NatGen Custom 360 $1,980

2023 Tesla Model X Insurance Rates

Insurance Provider Average Annual Cost
Capital Insurance Group $1,482
SECURA Insurance $2,786
Country $2,204
California Capital $1,870
Safeco $288
Pekin Insurance $1,622
Dairyland Broadform $1,274
Hastings Mutual Insurance Co $2,291
Auto-Owners Insurance Co $2,375
NatGen Custom 360 $1,929

2022 Tesla Model X Insurance Rates

Insurance Provider Average Annual Cost
Capital Insurance Group $1,120
North Carolina Farm Bureau $1,962
Country $1,575
Farm Bureau Ins of MI $1,280
Safeco $861
SECURA Insurance $1,202
Liberty Mutual $918
Texas Farm Bureau Group $1,699
Pioneer State Mutual Ins Co $1,747
Mercury Insurance $1,592

2021 Tesla Model X Insurance Rates

Insurance Provider Average Annual Cost
Hastings Mutual Insurance Co $2,299
Republic Indemnity $3,113
Farm Bureau Mutual (IA Group) $2,505
Unitrin $2,466
Texas Farm Bureau Group $1,315
Auto-Owners Insurance Co $2,438
Pekin Insurance $1,659
21st Century $2,837
SECURA Insurance $2,837
California Capital $2,482

2020 Tesla Model X Insurance Rates

Insurance Provider Average Annual Cost
Texas Farm Bureau Group $1,345
Buckeye Insurance Group $2,167
Capital Insurance Group $2,055
Indiana Farmers Mutual Ins $2,004
Kemper Auto | Infinity $657
Pekin Insurance $1,554
National General $811
Mercury Insurance Company $2,095
California Capital $2,153
Mercury Insurance $2,048

2019 Tesla Model X Insurance Rates

Insurance Provider Average Annual Cost
PEMCO $1,697
Country $2,280
California Capital $2,076
Penn National $2,043
Hastings Mutual Insurance Co $1,109
Buckeye Insurance Group $1,747
Capital Insurance Group $1,253
Chubb $2,224
Allied $2,203
Central Mutual Insurance Co $2,068

2018 Tesla Model X Insurance Rates

Insurance Provider Average Annual Cost
Hastings Mutual Insurance Co $1,043
PEMCO $1,939
Oregon Mutual $1,420
Texas Farm Bureau Group $1,264
Direct Auto $723
Grange Mutual $1,215
Capital Insurance Group $976
Rockford Mutual Insurance $1,794
Penn National $1,933
Pekin Insurance $1,321

2017 Tesla Model X Insurance Rates

Insurance Provider Average Annual Cost
Oregon Mutual $1,358
PEMCO $1,996
Mutual Of Enumclaw $1,900
Unitrin $1,901
Capital Insurance Group $857
Farm Bureau Mutual (IA Group) $1,605
Texas Farm Bureau Group $1,285
New Jersey Manufacturers $1,898
California Capital $2,041
Unigard $1,887

2016 Tesla Model X Insurance Rates

Insurance Provider Average Annual Cost
Capital Insurance Group $1,256
Hastings Mutual Insurance Co $1,968
Farm Bureau Ins of MI $1,767
North Carolina Farm Bureau $1,516
SECURA Insurance $1,077
PEMCO $1,317
Oregon Mutual $1,174
Unigard $1,808
Mutual Of Enumclaw $1,854
Pioneer State Mutual Ins Co $1,705

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Cost of Tesla Model X Car Insurance By Age

Drive Age Good Driver Recent Accident Poor Credit
17 $16,215 $23,844 $27,871
18 $15,140 $22,215 $25,999
19 $13,333 $19,626 $22,989
20 $11,655 $17,150 $20,011
21 $9,777 $14,380 $16,778
22 $9,483 $13,986 $16,343
23 $8,322 $12,253 $14,332
24 $7,918 $11,655 $13,576
25 $6,787 $10,016 $11,716
30 $5,325 $7,764 $9,137
35 $4,989 $7,338 $8,546
40 $4,784 $7,000 $8,233
45 $4,669 $6,806 $8,008
55 $4,248 $6,251 $7,320
65 $4,462 $6,561 $7,640
75 $5,641 $8,266 $9,696

Tesla Model X Car Insurance Rates By State

State Good Driver Recent Accident Poor Credit
Alabama $5,087 $7,373 $9,339
Alaska $4,214 $5,821 $5,659
Arizona $4,768 $6,862 $10,121
Arkansas $5,191 $8,187 $8,977
California $5,774 $10,221 $5,788
Colorado $5,447 $7,599 $9,613
Connecticut $6,864 $10,675 $13,621
Delaware $5,703 $7,628 $9,813
Florida $6,811 $9,409 $12,272
Hawaii $2,209 $3,042 $2,231
Idaho $3,848 $5,094 $6,190
Illinois $3,996 $6,080 $6,911
Indiana $4,170 $6,308 $7,101
Iowa $3,284 $4,505 $5,300
Kansas $4,372 $6,338 $7,422
Kentucky $6,350 $9,261 $10,909
Louisiana $8,057 $12,215 $13,299
Maine $3,103 $4,251 $6,235
Maryland $4,967 $7,188 $8,025
Massachusetts $3,967 $6,907 $3,987
Michigan $9,590 $14,637 $23,084
Minnesota $3,940 $5,269 $7,399
Mississippi $4,752 $6,827 $6,854
Missouri $4,472 $6,457 $8,464
Montana $4,551 $6,375 $7,396
Nebraska $3,869 $5,719 $6,239
Nevada $6,365 $9,435 $9,992
New Hampshire $4,452 $6,998 $8,870
New Jersey $4,866 $7,633 $9,992
New Mexico $4,980 $7,434 $7,690
New York $4,587 $5,823 $9,707
North Carolina $2,864 $4,943 $3,496
North Dakota $3,890 $5,987 $7,047
Ohio $3,481 $5,381 $5,515
Oklahoma $5,578 $7,958 $8,981
Oregon $5,047 $6,806 $8,112
Pennsylvania $4,278 $6,308 $7,358
Rhode Island $7,143 $10,486 $11,818
South Carolina $4,883 $6,706 $9,253
South Dakota $4,353 $6,259 $7,222
Tennessee $5,091 $7,539 $10,024
Texas $5,151 $7,426 $9,263
Utah $4,360 $6,170 $8,462
Vermont $3,368 $5,207 $5,496
Virginia $3,175 $4,882 $4,768
Washington $4,215 $5,694 $6,848
West Virginia $4,223 $6,012 $7,611
Wisconsin $4,189 $6,610 $7,474
Wyoming $3,925 $5,544 $5,847
Georgia $5,533 $8,314 $8,366

Compare Tesla Model X To Other Tesla Models

Looking for other Tesla model insurance costs?

Our Methodology

To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.

105

Quotes Analyzed

58

Brands Reviewed

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Research Hours

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Years Of Experience

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