Best Tesla Model X Car Insurance Quotes (2024)
Tesla Model X insurance costs on average $183 per month ($2,194 per year). This is about $675 more a year than the average vehicle. Mature drivers with good driving records may find rates as low as $1,289 a year.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Jul 22, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jul 22, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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.
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Key takeaways:
- How much does it cost to insure a Tesla? Full coverage costs around $2,194 a year or $183 each month
- A liability-only policy costs around $880 a year or $73 each month
- Highest rates are for teenage drivers at around $8,019 a year or $668 each month
- Good drivers can save as much as $905 a year by earning policy discounts
- Tesla Model X insurance costs around $675 more per year than the average vehicle
Tesla Model X insurance rates are quite a bit more than the average vehicle, averaging $2,194 a year or $183 a month for full coverage. Good drivers can save up to $905 a year by remaining claim-free. Let’s take a look at Tesla Model X insurance rates, crash test ratings, and more.
You can start comparing quotes for Tesla Model X car insurance rates from some of the best car insurance companies by using our free online tool now.
How much is a Tesla on insurance?
The average Tesla Model X auto insurance costs are $2,194 a year or $183 a month.
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What impacts the cost of Tesla Model X insurance rates?
The Tesla Model X trim and model you choose will affect the total price you will pay for Tesla Model X insurance coverage.
Age of the Vehicle
Older Tesla Model X models generally cost less to insure. For example, auto insurance for a 2020 Tesla Model X costs $2,194, while 2016 Tesla Model X insurance costs $2,052, a difference of $142.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Tesla Model X | $540 | $1,124 | $372 | $2,194 |
| 2019 Tesla Model X | $516 | $1,080 | $390 | $2,144 |
| 2018 Tesla Model X | $494 | $1,072 | $398 | $2,122 |
| 2017 Tesla Model X | $478 | $1,046 | $416 | $2,098 |
| 2016 Tesla Model X | $462 | $1,002 | $430 | $2,052 |
Driver Age
Driver age can have a significant impact on the cost of Tesla Model X auto insurance. For example, 20-year-old drivers pay approximately $2,683 each year for their Tesla Model X auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Tesla Model X insurance rates. For example, drivers in Phoenix may pay $1,207 a year less than drivers in Los Angeles.
Your Driving Record
Your driving record can have an impact on the cost of Tesla Model X auto insurance. Teens and drivers in their 20’s see the highest jump in their Tesla Model X car insurance with violations on their driving record.
Tesla Model X Crash Test Ratings
Good Tesla Model X crash test ratings can lower your Tesla Model X auto insurance rates. See Tesla Model X crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Tesla Model X (All Variants 7psgr) SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2020 Tesla Model X (All Variants 6-Seat) SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2020 Tesla Model X (All Variants 5-Seat) SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Tesla Model X P90D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Tesla Model X P100D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Tesla Model X 90D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Tesla Model X 75D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Tesla Model X 60D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Tesla Model X P90D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Tesla Model X P100D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Tesla Model X 90D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Tesla Model X 75D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Tesla Model X 60D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Tesla Model X P90D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Tesla Model X P100D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Tesla Model X 90D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Tesla Model X 75D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Tesla Model X 60D SUV AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Tesla Model X P90D SUV AWD Later Release | N/R | N/R | N/R | N/R |
| 2016 Tesla Model X P90D SUV AWD Early Release | N/R | N/R | N/R | N/R |
| 2016 Tesla Model X P100D SUV AWD Later Release | N/R | N/R | N/R | N/R |
| 2016 Tesla Model X P100D SUV AWD Early Release | N/R | N/R | N/R | N/R |
| 2016 Tesla Model X 90D SUV AWD Later Release | N/R | N/R | N/R | N/R |
| 2016 Tesla Model X 90D SUV AWD Early Release | N/R | N/R | N/R | N/R |
| 2016 Tesla Model X 75D SUV AWD Later Release | N/R | N/R | N/R | N/R |
| 2016 Tesla Model X 75D SUV AWD Early Release | N/R | N/R | N/R | N/R |
| 2016 Tesla Model X 60D SUV AWD Later Release | N/R | N/R | N/R | N/R |
| 2016 Tesla Model X 60D SUV AWD Early Release | N/R | N/R | N/R | N/R |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Tesla Model X Safety Features
The numerous safety features of the Tesla Model X help contribute to lower insurance rates. The 2020 Tesla Model X has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- Rear Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Blind Spot Monitor
- Auto-Leveling Headlights
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
Tesla Model X Rates and Finance Costs
If you are financing a Tesla Model X, most lenders will require your carry higher Tesla Model X coverage options including comprehensive coverage, so be sure to shop around and compare Tesla Model X car insurance rates from the best companies using our FREE tool below.
Ways to Save on Tesla Model X Insurance Rates
Drivers can end up saving more money on their Tesla Model X car insurance rates by employing any one of the following strategies.
- Carpool to Work Instead of Driving Your Tesla Model X
- Buy a Dashcam for Your Tesla Model X
- Never Drink and Drive Your Tesla Model X
- Buy Your Tesla Model X with Cash, or Get a Shorter-Term Loan
- Understand the Different Types of Auto Insurance for Your Tesla Model X
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Top Tesla Model X Insurance Companies
Who is the best auto insurance company for Tesla Model X insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Tesla Model X auto insurance coverage (ordered by market share). Many of these companies offer discounts on security systems and other safety features that the Tesla Model X offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Read more: Best Tesla Car Insurance Quotes
Compare Free Tesla Model X Insurance Rates Online
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Frequently Asked Questions
Why is car insurance for a Tesla Model X typically more expensive than for other vehicles?
There are a few factors that can make car insurance for a Tesla Model X more expensive than for other vehicles. Firstly, Tesla cars tend to be more expensive to repair or replace than other cars, which can drive up the cost of insurance. Additionally, the Model X is an electric vehicle, which means it requires specialized parts and repairs that may be more costly. Finally, Tesla drivers tend to be more affluent and therefore may have higher liability coverage needs, which can also increase the cost of insurance.
How can I find the best insurance quotes for my Tesla Model X?
To find the best insurance quotes for your Tesla Model X, it’s important to shop around and compare rates from multiple providers. You can start by contacting insurance companies directly or using online comparison tools to get quotes from multiple providers at once. Additionally, consider factors like deductibles, coverage limits, and discounts when comparing quotes.
What types of insurance coverage do I need for my Tesla Model X?
At a minimum, you will need liability insurance to cover any damage you may cause to other vehicles or property in an accident. However, it’s also a good idea to consider comprehensive and collision coverage, which can help cover the cost of repairs or replacement if your Tesla is damaged in an accident or stolen.
Are there any discounts available for Tesla Model X insurance?
Yes, some insurance providers offer discounts for electric vehicles, including Teslas. Additionally, you may be able to get discounts for things like safe driving habits, bundling multiple insurance policies, or installing safety features like a dash cam or anti-theft system in your Tesla.
What factors will affect the cost of my Tesla Model X insurance?
The cost of your Tesla Model X insurance will depend on a variety of factors, including your age, driving record, location, and the level of coverage you choose. Additionally, factors like the cost of repairs for your specific model of Tesla, the frequency of accidents involving Teslas in your area, and the availability of Tesla-approved repair shops may also affect the cost of insurance.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.