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
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: At $1,221 a year, the Cybertruck ranks third cheapest to maintain among Tesla's six models. That puts it below most other Tesla vehicles on repair costs.
- Vehicle Trim, Features and Accessories: Output ranges from 400 to over 1,000 horsepower depending on trim. Higher-performance variants cost more to insure because extreme power output raises both accident risk and repair costs.
- Driver Profile: Most Cybertruck drivers are 40 to 50 years old with higher incomes, which tends to support lower rates. The vehicle's performance profile also draws higher-risk driving behavior, which insurers price in.
Tesla Cybertruck Insurance Cost by State
Minimum coverage for the Cybertruck costs $40 a month in Wyoming and $253 in Louisiana. That $213 gap comes from each state's risk profile and regulations, not the vehicle.
| 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
How much coverage you need depends on whether you own, finance or lease. If you own, pair state minimum liability with comprehensive and collision at a $1,000 deductible. For more protection, go to 100/300/100 liability with a $500 deductible. If you're financing or leasing, you'll need 100/300/100 liability, comprehensive and collision at a $500 deductible and gap insurance.
- 2Research Costs and Cheap Companies
Check average auto insurance costs for electric trucks before you shop so you know what a fair rate looks like. Use that number to evaluate the cheapest car insurance companies for your area.
- 3Look for More than Just Low Rates
Rate alone won't tell you whether a car insurance company is worth choosing. Check J.D. Power satisfaction scores, Better Business Bureau complaints and AM Best financial ratings. Budget insurers sometimes cut corners on coverage limits and claims service.
- 4Check Every Discount You Qualify For
Cybertruck owners are likely to qualify for several car insurance discounts: safety features, good driver, multi-vehicle and bundling. EV discounts are increasingly common as insurers add them to their programs.
- 5Consider Alternative Car Insurance Types
Usage-based programs such as Progressive Snapshot and Allstate Drivewise track driving behavior and lower premiums for safe drivers. Consider pay-per-mile coverage if you drive fewer than 10,000 miles a year.
- 6Check Rates Every Year
Pull car insurance quotes from several companies each year. Your insurer won't tell you when a competitor drops prices, but shopping annually can save up to 24% on Cybertruck coverage.
Tesla Cybertruck Insurance Cost: Bottom Line
Cybertruck insurance costs more than average, but the difference between insurers is wide enough that shopping around and stacking discounts can bring your rate down.
Tesla Cybertruck Insurance Rates: FAQ
What is the average cost of car insurance for a Tesla Cybertruck?
Minimum coverage for the Cybertruck averages $1,422 a year and full coverage averages $2,757. Both figures are on the lower end compared to other electric vehicles.
What company has the cheapest car insurance for a Tesla Cybertruck?
GEICO has the cheapest minimum coverage for the Cybertruck at $666 a year and the lowest full coverage rate at $1,460 a year.
Are Tesla Cybertrucks expensive to insure?
Yes. The Cybertruck ranks 36th out of 40 pickup trucks for insurance affordability, putting it among the most expensive in that category.
What factors affect insurance costs for Tesla Cybertrucks?
Specialized materials and advanced technology make Cybertruck repairs expensive, and the vehicle's high market value pushes up potential claim payouts. Safety features offset some of that by reducing accident rates. Your driving history, credit score and coverage level all affect the final number.
How can I lower Tesla Cybertruck insurance costs?
Get quotes from several insurers. Cybertruck rates vary enough between companies that shopping around makes a real difference. Look at usage-based programs if your mileage is low, stack every discount you qualify for, bundle policies where you can and keep your record clean.
How We Determined Tesla Cybertruck Insurance Costs
MoneyGeek analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to determine Tesla Cybertruck insurance costs.
Who We Based These Rates On
Tesla Cybertruck rates in this analysis are based on a 40-year-old unmarried man with:
- No tickets or crashes
- Good credit
- No prior claims
- 12,000 miles driven yearly
- A valid license with no suspensions
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 (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!