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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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 |
Find Affordable Tesla Model X Insurance Rates
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 |
Find Affordable Tesla Model X Insurance Rates
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 |
Find Affordable Tesla Model X Insurance Rates
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.
