Tesla Cybertruck insurance costs vary by model year, with 2025 models reaching $234 monthly compared to $116 for older versions. Newer Cybertrucks cost more to insure due to their higher market values.
Tesla Cybertruck Insurance Cost
Updated: January 22, 2026
Key Takeaways
GEICO offers the cheapest Tesla Cybertruck insurance on average, though full coverage costs vary widely by model year and insurer and generally exceed $200 per month. Read more.
The Cybertruck ranks 36th out of 40 pickup trucks for insurance affordability, making it expensive within its vehicle category. Pickup trucks often see higher premiums due to increased repair costs and frequent work usage. Read more.
Getting accurate rates means checking costs for your Cybertruck's specific model year, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Cybertruck model years depending on the age of the drivers.
How Much Is Tesla Cybertruck Insurance?
Looking for another Tesla model? Read more about the cost of Tesla car insurance models.
Insurance rates depend on model year and insurer. Tesla Cybertruck minimum coverage costs range from $55 monthly with GEICO to $205 with Farmers, while full coverage spans $122 with GEICO to $460 with AIG.
Rate variations (over $150 for minimum coverage and over $338 for full coverage) demonstrate why Cybertruck owners need to shop around. Insurance companies calculate risk differently for each model, which affects your final quote.
| 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 |
Is Tesla Cybertruck Expensive to Insure?
MoneyGeek's analysis of pickup truck insurance costs shows the Tesla Cybertruck ranking 36th out of 40 trucks for affordability. That means only four pickup models are more expensive to insure, positioning it just a few dollars per month pricier than a Ram 3500 and slightly cheaper than a Ford F-450. While this seems middle-tier, it's actually among the least affordable pickup options.
Pickup trucks are expensive to insure overall, and the Cybertruck's 627th place out of 827 total vehicles puts it in the top 25% most expensive models. The cheapest pickup to insure is the Suzuki SX4, while the Ram 2500 commands the highest premiums in this category.
| Ford Maverick | $154 | 33 |
| Ford F-350 | $159 | 34 |
| Ram 3500 | $173 | 35 |
| Tesla Cybertruck | $174 | 36 |
| Ford F-450 | $196 | 37 |
| GMC Hummer EV | $199 | 38 |
| Rivian R1T | $201 | 39 |
Several factors affect what you'll pay for Tesla Cybertruck insurance:
- Average Repair or Replacement Costs: Tesla Cybertruck repair costs average $1,221 annually, making it Tesla's third most affordable model to maintain out of six total models. This relatively moderate maintenance expense helps keep insurance premiums more manageable compared to other Tesla vehicles.
- Vehicle Trim, Features and Accessories: The Cybertruck's horsepower ranges from 400 to over 1,000 depending on the trim you choose. Higher-performance variants with extreme horsepower output command higher insurance premiums, as increased power usually translates to greater risk and costlier claims for insurers.
- Driver Profile: Most Tesla Cybertruck drivers fall into the 40 to 50 age range with higher incomes, which may lead to lower rates. However, the vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Tesla Cybertrucks for young drivers.
Tesla Cybertruck Insurance Cost by State
Tesla Cybertruck insurance costs range from $40 monthly in Wyoming to $253 in Louisiana for minimum coverage, depending on where you're located. These differences reflect your state's risk characteristics and insurance regulations rather than anything specific to the Cybertruck model itself.
| 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 Costs by Model Year and Insurance Company
Model year importance becomes clear when you compare Tesla Cybertruck insurance costs across different years and driver ages. Full coverage for a 35- to 55-year-old driver averages $257 monthly for a 2024 Cybertruck compared to $266 for the 2025 model. Younger drivers in their teens and 20s pay much higher premiums regardless of the model year they choose.
GEICO consistently offers the lowest rates across all Cybertruck model years. Shopping between different insurers saves you hundreds of dollars monthly versus paying average rates.
Cost of Car Insurance for 2025 Tesla Cybertruck
| Geico | $56 | $124 |
| State Farm | $90 | $187 |
| Progressive | $98 | $185 |
| Nationwide | $100 | $174 |
| Kemper | $114 | $234 |
| National General | $115 | $236 |
| Travelers | $124 | $230 |
| The Hartford | $126 | $214 |
| AAA | $155 | $322 |
| UAIC | $157 | $198 |
| Allstate | $174 | $338 |
| Amica | $175 | $360 |
| Chubb | $182 | $366 |
| AIG | $186 | $468 |
| Farmers | $209 | $358 |
Cost of Car Insurance for 2024 Tesla Cybertruck
| Geico | $55 | $120 |
| State Farm | $87 | $181 |
| Progressive | $95 | $178 |
| Nationwide | $97 | $168 |
| Kemper | $110 | $226 |
| National General | $111 | $228 |
| Travelers | $120 | $222 |
| The Hartford | $121 | $207 |
| AAA | $150 | $311 |
| UAIC | $152 | $191 |
| Allstate | $168 | $327 |
| Amica | $169 | $348 |
| Chubb | $176 | $354 |
| AIG | $179 | $452 |
| Farmers | $202 | $346 |
Tesla Cybertruck Insurance Cost by Trim
Tesla Cybertruck insurance costs vary by trim, with monthly premiums ranging from $118 for minimum coverage on basic Cyberbeast models to $230 for full coverage on All-Wheel Drive variants. Performance features and market value drive these huge cost differences between trim levels.
| Cyberbeast | $118 | $229 |
| All-Wheel Drive | $119 | $230 |
How to Lower the Cost of Tesla Cybertruck Insurance
We've compiled proven strategies to help you find better rates on Tesla Cybertruck insurance:
- 1Choose the Right Coverage
You'll need to decide how much coverage to buy for your Tesla Cybertruck. If you own your vehicle, get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for electric trucks. This benchmark assists with shopping for the cheapest car insurance companies offering competitive rates. Understanding typical pricing helps you identify genuinely affordable options versus overpriced policies.
- 3Look for More than Just Low Rates
Selecting reliable car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and verify AM Best financial stability. Budget options might offer limited coverage or slower service when you need support most.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation. Tesla Cybertruck owners often qualify for safety features discounts, good driver rewards, multi-vehicle savings and bundling discounts. Electric vehicle discounts are becoming more common as insurers recognize the safety benefits of advanced driver assistance systems.
- 5Consider Alternative Car Insurance Types
Tesla Cybertruck owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions. Pay-per-mile insurance works well if you drive less than 10,000 miles annually, making it popular among Austin tech workers.
- 6Check Rates Every Year
Get car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Tesla Cybertruck insurance. Rate changes happen frequently, especially in competitive markets like California's Silicon Valley where electric vehicles are common.
Tesla Cybertruck Insurance Cost: Bottom Line
Tesla Cybertruck insurance runs above average in cost, though you can still get decent rates. Compare quotes from multiple insurers, maximize available discounts and adjust your coverage choices to find better pricing.
Tesla Cybertruck Insurance Rates: FAQ
What is the average cost of car insurance for a Tesla Cybertruck?
Tesla Cybertruck insurance costs average $1,422 annually for minimum coverage and $2,757 for full coverage. These rates make it relatively affordable compared to other electric vehicles.
What company has the cheapest car insurance for a Tesla Cybertruck?
GEICO provides the most affordable minimum coverage for a Tesla Cybertruck at $666 annually. The company also offers the best value for full coverage at $1,460 per year.
Are Tesla Cybertrucks expensive to insure?
Yes, Tesla Cybertruck insurance costs are higher than many vehicles overall. Among pickup trucks, it ranks 36th out of 40 for affordability, placing it among the more expensive options in that category.
What factors affect insurance costs for Tesla Cybertrucks?
Various elements affect Tesla Cybertruck insurance premiums. The vehicle's specialized materials and advanced technology create expensive repair costs, while its high market value increases potential claim payouts. However, sophisticated safety features help reduce accident rates. Your driving history, credit score and chosen coverage levels also influence your final premium.
How can I lower Tesla Cybertruck insurance costs?
Compare quotes from several insurers since Cybertruck pricing differs between companies, and explore usage-based programs that monitor safe driving. Maximize available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Tesla Cybertruck Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Tesla Cybertruck insurance costs.
Who We Based These Rates On
These Tesla Cybertruck rates reflect what an average 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.