Tesla Model X Car Insurance Cost 2025

Getting insurance for a Tesla Model X costs $2,983 per year, on average. However, the exact cost can vary based on factors such as your age, the year of the car model, and other considerations. You can use our quote tables below to get an estimate of your specific costs.

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Updated: 22 May 2025
Written by Bob Phillips
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Insuring a Tesla Model X can be significantly more expensive than covering a typical SUV. Depending on factors like your location, driving history, and chosen insurer, annual premiums for full coverage can range from approximately $2,983 to over $5,500.

For instance, MoneyGeek reports an average annual cost of $2,983 for a 40-year-old driver with a clean record , while Bankrate notes that premiums can reach $5,523, which is more than double the national average for passenger vehicles .

These elevated costs are attributed to the Model X’s high repair expenses, specialized parts, and advanced technology. To potentially lower your insurance rates, consider exploring Tesla’s own insurance program, which may offer more competitive pricing based on your driving behavior.

How Much Does Tesla Model X Car Insurance Cost?

On average, Tesla Model X owners usually pay around $2,983 annually for car insurance.

It’s important to understand that car insurance costs can vary widely based on several factors. These include where you live, your driving history, the year of your vehicle, and the type of coverage you choose. A clean driving record can help lower your premium, while accidents or traffic violations can cause it to rise.

Living in a busy city with heavy traffic often leads to higher insurance rates compared to quieter, rural areas. The level of coverage also plays a big role—comprehensive plans that include both collision and comprehensive coverage typically cost more than basic liability coverage.

As shown in the table below, insurance for the Tesla Model X tends to be more expensive than the average for all Tesla models, but still cheaper than the overall average for all vehicles.

To help you find the best rate, Insuranceopedia offers tools to compare quotes from different auto insurance providers.

Vehicle Average Monthly Premium
Tesla Model X $262
All Teslas $240
All Cars $175

Average Insurance Cost Of Tesla Model X By Model Year

Model Year Average Premium
2025 Tesla Model X $2,567
2024 Tesla Model X $1,861
2023 Tesla Model X $1,812
2022 Tesla Model X $1,396
2021 Tesla Model X $2,395
2020 Tesla Model X $1,689
2019 Tesla Model X $1,870
2018 Tesla Model X $1,108
2017 Tesla Model X $1,363
2016 Tesla Model X $1,673

2025 Tesla Model X Insurance Rates

The average annual insurance cost for a 2025 Tesla Model X is $2,567. However, Auto-Owners offers the cheapest rates, averaging $1,709 per year.

Insurance Provider Average Annual Cost
Tesla Insurance $2,040
USAA $1,790
State Farm $1,851
Auto-Owners $1,709
Travelers $2,431
Progressive $2,488
GEICO $2,519
Nationwide $2,609
Allstate $4,076
Farmers $4,160

2024 Tesla Model X Insurance Rates

The average annual insurance cost for a 2024 Tesla Model X is $1,861. However, Safeco offers the cheapest rates, averaging $305 per year.

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

The average annual insurance cost for a 2023 Tesla Model X is $1,812. However, Safeco offers the cheapest rates, averaging $288 per year.

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

The average annual insurance cost for a 2022 Tesla Model X is $1,396. However, Safeco offers the cheapest rates, averaging $861 per year.

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

The average annual insurance cost for a 2021 Tesla Model X is $1,396. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,315 per year.

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

The average annual insurance cost for a 2020 Tesla Model X is $1,689. However, Kemper Auto | Infinity offers the cheapest rates, averaging $657 per year.

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

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2019 Tesla Model X Insurance Rates

The average annual insurance cost for a 2019 Tesla Model X is $1,870. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $1,109 per year.

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

The average annual insurance cost for a 2018 Tesla Model X is $1,108. However, Direct Auto offers the cheapest rates, averaging $723 per year.

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

The average annual insurance cost for a 2017 Tesla Model X is $1,363. However, Capital Insurance Group offers the cheapest rates, averaging $857 per year.

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

The average annual insurance cost for a 2016 Tesla Model X is $1,673. However, SECURA Insurance offers the cheapest rates, averaging $1,077 per year.

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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Are Tesla Model Xs Expensive To Insure?

Insuring a Tesla Model X is generally more expensive than insuring many other vehicles. The average annual premium for full coverage on a Model X is approximately $4,805, significantly higher than the national average of $2,305 for all vehicles . This elevated cost is due to several factors, including the Model X’s advanced technology, high repair costs, and specialized parts. Additionally, recent increases in vandalism targeting Teslas have led to further rate hikes . While Tesla’s own insurance program may offer competitive rates in select states, overall, the Model X remains pricier to insure compared to many other vehicles.

Cost of Tesla Model X Car Insurance By Age

Age is a major factor in calculating car insurance rates. Teen drivers usually face the highest premiums because they’re statistically more likely to be involved in accidents. As drivers get older and gain more experience on the road, their insurance costs generally decrease, reflecting a lower risk for insurers.

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

Your location has a big impact on how much you’ll pay for car insurance. Since each state sets its own rules for auto coverage, rates can vary widely. For instance, drivers in Michigan often face higher premiums due to the state’s requirement for more extensive coverage.

Climate also plays a role—areas prone to severe weather events like hurricanes, floods, or storms may have higher insurance costs. In addition, local crime rates and accident statistics, such as car thefts and traffic fatalities, are taken into account. All of these factors help insurers determine the specific cost to insure a Tesla Model X in your area.

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

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Cheapest Car Insurance Companies For A Tesla Model X

Among the providers listed, USAA offers the lowest estimated annual premium at $2,450, translating to approximately $204 per month. However, USAA services are exclusive to military members, veterans, and their families. GEICO and State Farm both provide competitive rates with estimated annual premiums of $2,520, equating to monthly payments of $210. Progressive and Travelers also offer similar rates, with annual premiums of $2,490 and $2,430, respectively.

Insurance Company Average Monthly
GEICO $210
USAA $204
State Farm $210
Progressive $208
Travelers $202

Common Tesla Model X Insurance Discounts

Discounts are an effective way to reduce your car insurance premiums. While each insurance company offers its own set of discounts, there are several common ones you can look into:

  • Multi-policy discount: Bundling your auto and home insurance with the same provider can often lead to a lower rate.
  • Annual payment discount: Paying your premium in full upfront instead of monthly may qualify you for a discount.
  • Defensive driving course: Completing a certified defensive driving course can make you eligible for lower rates.

There are many other potential discounts available depending on your insurer and personal circumstances. It’s a good idea to talk to your insurance agent—they can help you identify all the discounts you may qualify for.

Ways To Save On Tesla Model X Insurance Costs

Keeping a clean driving record is one of the most effective ways to keep your Tesla Model X insurance premiums low. Traffic violations like speeding tickets or being involved in an accident can drive up your rates.

For example, Tesla Model X drivers with a speeding ticket on their record can expect to pay around $95 per month, while those with multiple accidents may face an average premium of $114 per month. Avoiding these issues helps keep your costs down.

In addition, drivers who have low annual mileage generally pay less for insurance. The less frequently you drive, the fewer chances there are of being involved in an accident, making you a lower risk. Tesla Model X drivers who drive between 7,501 and 10,000 miles a year pay about $84 per month, while those who drive over 10,000 miles annually can expect to pay around $100 per month.

Compare Tesla Model X To Other Tesla Models

Looking for other Tesla model insurance costs?

Our Methodology

To calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance, with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, keep in mind that the numbers provided in this guide may vary from your personal results based on your unique circumstances.

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FAQs

Do You Need Insurance Before You Can Purchase A Tesla Model X?

Yes, you’ll need to show proof of insurance before driving your Tesla Model X off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company that you’re about to buy the car, rather than getting insurance through the dealership. This way, you ensure you’re covered as soon as you take ownership.

How Can You Get The Cheapest Insurance For Your Tesla Model X?

The most effective way to find the lowest rates for your Tesla Model X is by shopping around and comparing quotes from various auto insurance providers. Luckily, Insuranceopedia makes it easy to compare quotes from multiple companies directly on our website.

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