Tesla Cybertruck insurance costs average $118 per month for minimum coverage and $230 monthly for full coverage. Depending on your particular trim and model year, costs can range from $116 to $236 monthly.
Tesla Cybertruck Insurance Cost
Updated: September 26, 2025
Key Takeaways
Tesla Cybertruck insurance costs range from $89 to $321 monthly, with rates varying by trim level and model year.
The Cybertruck ranks 627th out of 827 vehicle models for insurance affordability in the 2025 US auto market.
GEICO offers the most affordable Tesla Cybertruck insurance at $122 monthly for full coverage and $55 for minimum coverage.
How Much Is Tesla Cybertruck Insurance?
| Tesla Cybertruck | $118 | $230 |
Tesla Cybertruck Insurance Cost by Model Year
Your Tesla Cybertruck insurance rates change based on model year and trim options, with newer models costing more due to increased fair value. Monthly premiums for different Cybertruck years span from $116 for basic coverage to $234 for comprehensive protection.
| 2025 | $121 | $234 |
| 2024 | $116 | $226 |
Tesla Cybertruck Insurance Cost by Trim
Your Tesla Cybertruck's trim affects insurance rates based on features, rarity, desirability and market value. Monthly premiums range from $118 to $230 depending on your chosen coverage level and specific trim configuration.
| Cyberbeast | $118 | $229 |
| All-Wheel Drive | $119 | $230 |
Compare Personalized Tesla Cybertruck Insurance Costs
We broke down Tesla Cybertruck insurance costs by model year and trim for more personalized estimates.
Data filtered by:Results filtered by:
Select
Model Year:2024
Select
Trim:All-Wheel Drive
| All-Wheel Drive | $116 | $225 |
Tesla Cybertruck Insurance Cost by Company
Tesla Cybertruck insurance costs vary by provider from $89 to $321 monthly. Minimum coverage ranges from $55 to $205, while full coverage costs $122 to $460. Rates vary due to different risk assessment models.
| AAA | $152 | $316 |
| AIG | $182 | $460 |
| Allstate | $171 | $333 |
| Amica | $172 | $354 |
| Chubb | $179 | $360 |
| Farmers | $205 | $352 |
| GEICO | $55 | $122 |
| Kemper | $112 | $230 |
| Nationwide | $98 | $171 |
| Progressive | $96 | $182 |
| State Farm | $89 | $184 |
| The Hartford | $124 | $211 |
| Travelers | $122 | $226 |
| UAIC | $154 | $194 |
Tesla Cybertruck Insurance Cost by State
Tesla Cybertruck insurance costs vary by state, ranging from $40 monthly in Wyoming to $510 in Louisiana.
| Alabama | $111 | $214 |
| Alaska | $76 | $166 |
| Arizona | $142 | $267 |
| Arkansas | $109 | $242 |
| California | $112 | $222 |
| Colorado | $114 | $272 |
| Connecticut | $163 | $280 |
| Delaware | $158 | $265 |
| Florida | $141 | $334 |
| Georgia | $163 | $267 |
| Hawaii | $55 | $126 |
| Idaho | $66 | $136 |
| Illinois | $111 | $210 |
| Indiana | $81 | $161 |
| Iowa | $81 | $193 |
| Kansas | $96 | $227 |
| Kentucky | $147 | $248 |
| Louisiana | $253 | $510 |
| Maine | $64 | $133 |
| Maryland | $198 | $338 |
| Massachusetts | $131 | $285 |
| Michigan | $196 | $388 |
| Minnesota | $112 | $237 |
| Mississippi | $143 | $275 |
| Missouri | $188 | $362 |
| Montana | $89 | $205 |
| Nebraska | $87 | $201 |
| Nevada | $189 | $340 |
| New Hampshire | $88 | $160 |
| New Jersey | $189 | $311 |
| New Mexico | $89 | $201 |
| New York | $142 | $256 |
| North Carolina | $108 | $213 |
| North Dakota | $74 | $164 |
| Ohio | $95 | $188 |
| Oklahoma | $116 | $257 |
| Oregon | $126 | $221 |
| Pennsylvania | $129 | $295 |
| Rhode Island | $141 | $255 |
| South Carolina | $105 | $198 |
| South Dakota | $72 | $234 |
| Tennessee | $94 | $193 |
| Texas | $141 | $289 |
| Utah | $114 | $195 |
| Vermont | $73 | $169 |
| Virginia | $127 | $202 |
| Washington | $99 | $185 |
| West Virginia | $109 | $222 |
| Wisconsin | $87 | $189 |
| Wyoming | $40 | $138 |
Tesla Cybertruck Insurance Cost by Driver Profile
Your driving profile, particularly your age and driving record, affects Tesla Cybertruck insurance pricing extensively. Young drivers under 25 can expect monthly premiums as high as $439, while adult drivers between 26-64 with clean records pay as low as $174 monthly.
| Adult Drivers | $118 | $230 |
| Young Drivers | $301 | $577 |
| Senior Drivers | $158 | $290 |
| Drivers With a Speeding Ticket | $148 | $288 |
| Drivers With an Accident | $175 | $336 |
| Drivers With a DUI | $223 | $425 |
| Drivers With Bad Credit | $278 | $561 |
Is a Tesla Cybertruck Expensive to Insure?
You might be concerned about Tesla insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a Tesla Cybertruck ranks 627th out of 827, making it one of the more expensive cars to insure. Among Full-Size Luxury Pickup Trucks, the model ranks 2nd out of 2.
| Cadillac Escalade EXT | $99 | $192 |
| Tesla Cybertruck | $118 | $230 |
Factors That Affect Tesla Car Insurance Costs
Several key factors determine what you'll pay for Tesla Cybertruck insurance coverage:
- Age (46 median): Younger than traditional luxury vehicle buyers, but established in careers and financially stable.
- Gender (74% male): Male-dominated ownership, which is typical of performance vehicles and early technology adoption.
- Income ($150,640 average): High-income profile suggests good credit and financial stability, though wealth enables higher-risk vehicle choices.
Average Repair or Replacement Costs
Tesla ranks 22nd in repair affordability among 59 U.S. automakers with median annual costs of $1,034. Tesla Cybertruck repair costs average $1,221 annually, making it Tesla's second most affordable model to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Tesla Cybertruck offers extreme performance variants ranging from 600 to 845 horsepower with 0-60 mph times as fast as 2.6 seconds in the Cyberbeast model.
The dual-motor AWD version (600 hp, 3.9-second 0-60) and tri-motor Cyberbeast (845 hp, 2.6-second 0-60) both feature advanced technologies like steer-by-wire, air suspension and armor glass that increase replacement costs and insurance premiums.
Fuel Type
As a fully electric vehicle, the Tesla Cybertruck eliminates fuel costs but introduces new insurer considerations. The 123 kWh battery pack represents replacement value, while the 800-volt electrical architecture requires specialized service equipment.
Charging infrastructure dependencies and range limitations (300 to 350 miles) create unique coverage scenarios that may affect insurance pricing and emergency assistance requirements.
Location
Tesla Cybertruck distribution initially focuses on North America, with concentrated deliveries in California, Texas and other Tesla-friendly states. The vehicle's massive dimensions (223.7 inches long, 95 inches wide with mirrors) may face parking and infrastructure challenges in dense urban areas.
Regional variations in Tesla service center availability and specialized repair capabilities will impact insurance rates and coverage options.
Driver Profile
Tesla Cybertruck owners have a median age of 46 with average household incomes of $150,640, representing early adopters of disruptive technology. The demographic skews heavily male (74%) and affluent, with 97% homeownership rates.
Driver demographics affect Tesla Cybertruck rates:
Cheapest Tesla Cybertruck Insurance Companies
GEICO offers the most affordable Cybertruck insurance with full coverage premiums averaging $122 monthly. For drivers who only need minimum coverage, GEICO also leads with the cheapest rates at $55 per month.
| GEICO | $55 | $122 |
| Nationwide | $98 | $171 |
| State Farm | $89 | $184 |
| Progressive | $96 | $182 |
| The Hartford | $124 | $211 |
Cheapest Tesla Cybertruck Insurance by State
We found that these are the top three most affordable car insurance providers at the state level for a Tesla Cybertruck:
- GEICO: Wins for affordability in 39 states
- State Farm: Wins for affordability in five states
- American National: Wins for affordability in two states
You can filter below to see which provider offers the most affordable auto insurance rates for your Tesla Cybertruck.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | GEICO | $47 |
How to Get the Best Cheap Tesla Cybertruck Insurance
We break down Tesla Cybertruck insurance discounts to help you save money:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Tesla's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. Then you can look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Tesla Cybertruck, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Tesla Cybertruck owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Cybertruck owners' high incomes often mean multiple vehicles in the household. The Cybertruck costs an average of $3,392 per year for full coverage, but multi-car discounts from virtually all insurers can help offset these premium costs for affluent buyers.
- Bundling/Multi-Policy Discount (5% to 30% savings): Two-thirds of Cybertruck owners have excellent credit scores, indicating financial stability and likely homeownership. Bundling auto and homeowners insurance provides substantial savings from major carriers, with some offering up to 30% off.
- Good Driver/Safe Driver Discount (5% to 30% savings): Fifty percent of Cybertruck drivers are in their 40s (compared to just 14% of Model 3 drivers), representing a mature demographic with clean driving records that qualify them for the largest available discounts.
- Electric Vehicle (EV) Discount (5% to 10% savings): A growing number of insurers offer EV-specific discounts for environmentally conscious drivers. Cybertruck buyers' commitment to sustainable technology often qualifies them for these green vehicle incentives, though availability remains limited compared to other discount types.
- Full Self-Driving (FSD) Discount (up to 10% savings): Tesla Insurance offers unique discounts for Cybertruck owners who use Full Self-Driving features. You can earn up to 10% off certain coverages when you drive 50% or more of your miles with FSD enabled, rewarding you for using Tesla's advanced autonomous technology.
- 5
Consider alternative car insurance types
Tesla Cybertruck owners should consider Tesla Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like GEICO DriveEasy that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Tesla Cybertruck insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Tesla Cybertruck Insurance Cost: Bottom Line
Insuring a Tesla Cybertruck costs much more than average, but you can still find affordable rates if you shop multiple companies, look into discounts and consider different coverage options.
Tesla Cybertruck Insurance Rates: FAQ
Here are answers to common questions about insuring a Tesla Cybertruck.
What is the average cost of car insurance for a Tesla Cybertruck?
The Tesla Cybertruck's average annual insurance cost is $1,422 for state minimum and $2,757 for full coverage.
What company has the cheapest car insurance for a Tesla Cybertruck?
GEICO offers the cheapest minimum coverage auto insurance for a Tesla Cybertruck, with an annual minimum coverage rate of $660. For those looking for full coverage policies, Travelers is the most cost-effective option at $1,464 per year.
Are Tesla Cybertrucks expensive to insure?
Yes, Tesla Cybertruck insurance costs more than most cars. Out of 827 vehicles we track, the Cybertruck ranks 627th for affordability on average. Among luxury full-size pickup trucks, this model is the most expensive.
What factors affect insurance costs for Tesla Cybertrucks?
Several things drive up your Tesla Cybertruck rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer Tesla-certified repair shops cost more.
The good news? Some insurers offer discounts on Tesla's safety tech, such as Autopilot.
How can I lower Tesla Cybertruck insurance costs?
Shop around with multiple insurers as rates vary for Teslas, and consider usage-based insurance programs that track your driving habits. Take advantage of Tesla's safety features (Autopilot, collision avoidance) when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Tesla Cybertruck Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Tesla Cybertruck insurance costs.
Who We Based These Rates On
These Tesla Cybertruck prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.