American Family, National General, Auto-Owners, USAA and Travelers offer the cheapest Tesla Model X insurance among national providers, based on my analysis of rates across all 50 states. American Family ranks first with an average full coverage premium of $3,025 per year, which is 26% below the Model X full coverage average of $4,110. National General follows at $3,069, Auto-Owners at $3,211, USAA at $3,234 and Travelers at $3,270.
Cheapest Tesla Model X Insurance: 2026 Most Affordable Companies
Updated: May 1, 2026
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Key Takeaways
American Family offers the cheapest Tesla Model X insurance at $1,084 for minimum coverage and $3,025 for full coverage among all national providers analyzed, including USAA.
National General ranks second for full coverage at $3,069 per year, followed by Auto-Owners at $3,211. USAA ranks fourth at $3,234 but is restricted to military members and their families.
Full coverage rates for a 2023 Model X Long Range average $4,457 annually, compared to $3,667 for a 2019 model, a $790 difference driven by higher replacement costs on the newer generation.
Cheapest Tesla Model X Insurance Companies
Top 5 Cheapest Tesla Model X Insurance Companies
The table below ranks the five cheapest Tesla Model X insurers by average full coverage premium. Minimum coverage rates reflect each state's legal liability requirements.
Rank | Provider | Min Coverage Avg Annual Premium | Full Coverage Avg Annual Premium |
|---|---|---|---|
1 | American Family | $1,084 | $3,025 |
2 | National General | $633 | $3,069 |
3 | Auto-Owners | $658 | $3,211 |
4 | USAA | $533 | $3,234 |
5 | Travelers | $860 | $3,270 |
*These rankings reflect rates for the Tesla Model X Long Range across 2019 and 2023 model years, for a 40-year-old driver with a clean record.
Top Tesla Model X Insurance Company Highlights
The Tesla Model X is unusual among Tesla models in that USAA does not rank first for full coverage, falling to fourth place in my analysis. American Family leads for the lowest full coverage rate, while National General and Auto-Owners offer the most accessible pricing for drivers without military affiliation or American Family coverage in their state.
Cheapest for Most Model X Owners
American Family Insurance
American Family offers the cheapest Tesla Model X insurance at $1,084 per year for minimum coverage and $3,025 for full coverage, which is 26% below the Model X national average of $4,110. American Family writes policies in 19 states and offers a KnowYourDrive usage-based program that can reduce premiums by up to 40%. Its position at the top of the Model X rankings is driven by competitive pricing on larger, high-value EVs in its core Midwest and Western markets.
National General ranks second for Tesla Model X full coverage at $3,069 per year, with minimum coverage at $633, placing it 25% below the national average. National General is part of the Allstate group and writes policies in all 50 states, making it the most widely available option in the top three for Model X owners outside American Family's service area. Its minimum coverage rate of $633 is also the lowest among all providers in the top five.
Auto-Owners charges $658 for minimum coverage and $3,211 for full coverage on the Tesla Model X, ranking third and 21% below the national average. Auto-Owners operates through independent agents in 26 states and does not offer direct-to-consumer quoting. It consistently prices below national averages on high-value vehicles, making it a good fit for Model X owners in its service territory.
USAA ranks fourth for Tesla Model X full coverage at $3,234 per year, with minimum coverage at $533. Unlike most other Tesla models where USAA leads, the Model X's large SUV profile and higher vehicle value close the gap with mass-market competitors like American Family and National General. Eligibility remains limited to current and former military service members, their spouses and their children.
Travelers rounds out the top five at $860 for minimum coverage and $3,270 for full coverage, which is 20% below the Model X national average. Travelers writes policies in 43 states and sells directly to consumers. The company offers a hybrid-electric vehicle discount of up to 5% in select states, which can apply to Model X owners and slightly lower already competitive rates.
Cheapest Tesla Model X Insurance by Model Year
Tesla Model X insurance costs vary by model year. Full coverage premiums for a 2023 Model X Long Range average $4,457 annually, compared to $3,667 for a 2019 model, a $790 difference. The newer generation's updated falcon-wing door mechanisms and advanced sensor suite contribute to higher repair costs that drive the premium gap. Minimum coverage rates remain relatively flat across model years. USAA ranks as the cheapest option for the 2019 model year, while American Family leads for the 2023 model.
Cheapest 2019 Tesla Model X Insurance
USAA offers the cheapest 2019 Tesla Model X insurance at $534 per year for minimum coverage and $2,313 for full coverage. National General and Auto-Owners rank second and third for minimum coverage, while National General and American Family follow USAA for full coverage on the older model year. Full coverage on a 2019 Model X averages $3,667 nationally, reflecting depreciation of the vehicle's original MSRP.
Rank | Cheapest for Min Coverage | Avg Annual Premium | Cheapest for Full Coverage | Avg Annual Premium |
|---|---|---|---|---|
1 | USAA | $534 | USAA | $2,313 |
2 | National General | $633 | National General | $2,619 |
3 | Auto-Owners | $668 | American Family | $2,814 |
4 | GEICO | $693 | Auto-Owners | $2,875 |
5 | Travelers | $870 | Travelers | $3,065 |
Cheapest 2023 Tesla Model X Insurance
American Family offers the cheapest 2023 Tesla Model X full coverage insurance at $3,235 per year. Travelers and State Farm rank second and third for full coverage on the newer model year, while USAA, National General and Auto-Owners lead for minimum coverage. Full coverage on a 2023 Model X averages $4,457 nationally, 21% more than the 2019 model average of $3,667. The updated sensor array and falcon-wing door hardware on the 2023 model drive higher repair costs when these systems are involved in a collision.
Rank | Cheapest for Min Coverage | Avg Annual Premium | Cheapest for Full Coverage | Avg Annual Premium |
|---|---|---|---|---|
1 | USAA | $532 | American Family | $3,235 |
2 | National General | $633 | Travelers | $3,475 |
3 | Auto-Owners | $648 | State Farm | $3,478 |
4 | GEICO | $687 | National General | $3,520 |
5 | Travelers | $849 | Auto-Owners | $3,548 |
Why Tesla Model X Insurance Is More Expensive
Tesla Model X insurance costs more than a comparable luxury ICE SUV because the falcon-wing door system, large panoramic windshield and Autopilot sensor array are expensive to repair or replace after a collision. The falcon-wing doors require specialized calibration after any body work affecting the rear quarters, and replacements for the door mechanisms alone can cost several thousand dollars. Standard body shops are generally not equipped to service these systems, routing claims to Tesla-certified centers.
The Model X also carries a high replacement cost due to its position as Tesla's flagship SUV. Battery pack replacements are a significant cost factor based on OEM service pricing and industry claims data, and the vehicle's all-wheel-drive dual-motor configuration adds another high-cost component that standard insurers must price into full coverage premiums. These factors combine to make the Model X one of the more expensive Teslas to insure across all model years.
How to Lower Your Tesla Model X Insurance Costs
Three strategies deliver the greatest savings on Tesla Model X insurance: shopping quotes aggressively, raising your deductible and stacking applicable discounts. The spread between the cheapest and most expensive Model X insurers is wide enough that quote comparison alone can save over $2,600 annually.
- 1Compare Quotes From at Least 3 Insurers
The gap between the cheapest and most expensive Model X insurer in my analysis spans more than $2,600 per year, with American Family at $3,025 representing the low end of the rate spectrum. Request quotes from American Family, National General, Auto-Owners and Travelers at minimum, plus USAA if eligible, and check the cheapest car insurance companies for a broader comparison.
- 2Raise Your Deductible
Raising your deductible from $500 to $1,000 typically cuts full coverage premiums by 15% to 25%, though the actual savings vary by insurer and state — treat this as an industry estimate rather than a guaranteed reduction. On the Model X's $4,110 national average, that represents roughly $617 to $1,028 in potential annual savings. Given the high cost of Model X repairs, make sure your savings account can cover a $1,000 out-of-pocket expense before adjusting.
- 3Ask About Discounts
Tesla Model X owners qualify for anti-theft discounts of 5% to 25% through the vehicle's integrated GPS tracking and remote immobilization. Multi-policy bundling saves 10% to 25%, and usage-based programs like American Family's KnowYourDrive or Nationwide's SmartRide can cut premiums by up to 40%. Travelers offers a hybrid-electric vehicle discount in select states.
Cheap Tesla Model X Insurance: Bottom Line
American Family is the cheapest Tesla Model X insurer at $3,025 per year for full coverage. Drivers outside American Family's service area should compare quotes from National General, Auto-Owners and Travelers. USAA is also a strong option for eligible military-affiliated customers.
Frequently Asked Questions About Tesla Model X Insurance
How much does Tesla Model X insurance cost?
Tesla Model X insurance costs approximately $680 per year for minimum coverage and $4,110 for full coverage on average across national providers, based on MoneyGeek's analysis of 16 providers. The $4,110 figure represents the mean annual premium across all available ZIP codes and model years in MoneyGeek's rate dataset. Rates range from $3,025 at American Family at the low end to significantly higher premiums at the most expensive providers for full coverage. Actual premiums vary by model year, location, driving history and selected coverage.
Why does USAA rank fourth for Model X instead of first?
USAA ranks fourth for Tesla Model X full coverage at $3,234 per year, rather than first as it does for most other Tesla models, because the Model X's larger, higher-value SUV profile narrows the typical pricing gap between USAA and mass-market competitors like American Family and National General. USAA still offers the lowest minimum coverage rate at $533 per year for Model X owners who qualify.
Do the falcon-wing doors make the Model X more expensive to insure?
The falcon-wing doors contribute to higher Tesla Model X insurance costs because they require specialized calibration after body repairs and are expensive to replace if damaged in a collision. This increases expected claim costs compared to a conventional SUV with standard doors, which insurers factor into full coverage premiums. The impact is most pronounced on 2023 model years with the updated door hardware.
Does the Tesla Model X model year affect insurance rates?
Tesla Model X model year has a notable effect on insurance rates. Full coverage on a 2023 Model X Long Range averages $4,457 annually, compared to $3,667 for a 2019 model, a $790 difference. The 2023 model's updated sensor array and door systems drive higher repair costs, producing a wider year-to-year gap than seen on simpler Tesla models like the Model 3 or Model Y.
Is Tesla Insurance available for the Model X?
Tesla Insurance is available for the Model X in a select number of states, including Arizona, California, Colorado, Illinois, Ohio, Oregon, Tennessee, Texas and Virginia, based on Tesla's published coverage map at the time of this writing. Availability may have expanded since publication — check Tesla's official website for the current state list. For Model X owners with a high Safety Score, Tesla Insurance may offer competitive monthly premiums. But the Model X's complex repair profile means that drivers with aggressive driving patterns may not benefit from Tesla Insurance's real-time pricing model.
Should I drop full coverage on an older Tesla Model X?
Dropping full coverage on an older Tesla Model X only makes financial sense if the annual premium savings exceed the risk of out-of-pocket repair costs. A 2019 Model X still carries repair costs that can be substantial for moderate collision damage involving the falcon-wing doors or sensor systems. A common financial guideline is to maintain full coverage if annual savings are less than 10% of the vehicle's current market value, though you should consult a licensed insurance professional for advice specific to your situation.
MoneyGeek analyzed Tesla Model X Long Range insurance rates from 16 national providers across all 50 states and Washington, D.C., for the 2019 and 2023 model years. Quotes reflect a 40-year-old driver with a clean driving record and good credit. Minimum coverage rates meet each state's legal liability requirements. Full coverage rates use 100/300/100 liability limits with comprehensive and collision at a $1,000 deductible. Provider averages represent the mean annual premium across all available ZIP codes and model years in MoneyGeek's rate dataset. The $4,110 full coverage national average is the mean across all 16 providers in the dataset. Ranking reflects average full coverage premium because full coverage is the most common purchase among Tesla Model X owners.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!