Tesla Model X insurance costs average $143 monthly for minimum coverage and $279 for full coverage. Depending on your particular trim and model year, costs can range from $104 to $405 monthly for Tesla Model X insurance.
Tesla Model X Insurance Cost
Updated: October 1, 2025
Key Takeaways
Tesla Model X insurance costs range from $104 to $405 monthly depending on your specific model year and trim level.
Tesla Model X ranks 702nd out of 827 vehicle models for insurance affordability in the United States vehicle market through 2025.
UAIC offers the most affordable Tesla Model X coverage at $213 monthly for full protection and $117 for minimum coverage.
How Much Is Tesla Model X Insurance?
| Tesla Model X | $143 | $279 |
Tesla Model X Insurance Cost by Model Year
Your Tesla Model X insurance rates depend on your vehicle's model year and available trims, with newer models costing more due to higher fair market value. Monthly premiums range from $108 for older Model X vehicles to $372 for the newest ones.
| 2025 | $190 | $372 |
| 2024 | $187 | $368 |
| 2023 | $167 | $329 |
| 2022 | $153 | $301 |
| 2021 | $180 | $351 |
| 2020 | $143 | $280 |
| 2019 | $134 | $261 |
| 2018 | $108 | $211 |
| 2017 | $128 | $248 |
| 2016 | $124 | $241 |
Tesla Model X Insurance Cost by Trim
Your Tesla Model X trim impacts insurance costs based on the vehicle's value, performance features and repair expenses. Monthly premiums vary widely across trim levels, ranging from $116 for basic variants to $405 for high-performance Plaid models according to our analysis.
| Standard Range Sport Utility 4d | $116 | $226 |
| 100d Sport Utility 4d | $118 | $231 |
| 75d Sport Utility 4d | $118 | $231 |
| 60d Sport Utility 4d | $119 | $231 |
| 90d Sport Utility 4d | $119 | $232 |
| P90d Sport Utility 4d | $124 | $241 |
| P100d Sport Utility 4d | $132 | $257 |
| Long Range Sport Utility 4d | $137 | $269 |
| P90d Signature Sport Utility 4d | $139 | $271 |
| Standard Sport Utility 4d | $153 | $302 |
| Long Range Plus Sport Utility 4d | $153 | $299 |
| Model X | $168 | $332 |
| Performance Sport Utility 4d | $168 | $328 |
| Plaid Sport Utility 4d | $171 | $338 |
| Standard | $175 | $343 |
| Plaid | $205 | $402 |
| Model X Plaid | $205 | $405 |
Compare Personalized Tesla Model X Insurance Costs
We've broken down Tesla Model X insurance costs by model year and trim to personalize your rates.
Data filtered by:Results filtered by:
Select
Model Year:2016
Select
Trim:75d Sport Utility 4d
| 75d Sport Utility 4d | $114 | $221 |
Tesla Model X Insurance Cost by Company
Tesla Model X insurance costs vary by provider from $180 to $322 monthly. Minimum coverage ranges from $117 to $214, while full coverage costs $213 to $460. Rates vary due to different risk assessment models.
| AAA | $164 | $340 |
| AIG | $184 | $460 |
| Allstate | $172 | $334 |
| Amica | $170 | $348 |
| Chubb | $163 | $328 |
| Farmers | $214 | $375 |
| GEICO | $125 | $272 |
| Kemper | $154 | $327 |
| Nationwide | $142 | $247 |
| Progressive | $144 | $270 |
| State Farm | $117 | $244 |
| The Hartford | $208 | $354 |
| Travelers | $122 | $225 |
| UAIC | $170 | $213 |
Tesla Model X Insurance Cost by State
Tesla Model X insurance costs vary dramatically by state, from $58 monthly in Wyoming to $581 in Louisiana for minimum coverage.
| Alabama | $123 | $236 |
| Alaska | $105 | $222 |
| Arizona | $165 | $308 |
| Arkansas | $123 | $273 |
| California | $140 | $282 |
| Colorado | $131 | $317 |
| Connecticut | $188 | $323 |
| Delaware | $176 | $294 |
| Florida | $157 | $372 |
| Georgia | $182 | $306 |
| Hawaii | $74 | $168 |
| Idaho | $77 | $158 |
| Illinois | $137 | $258 |
| Indiana | $88 | $173 |
| Iowa | $88 | $212 |
| Kansas | $107 | $249 |
| Kentucky | $166 | $284 |
| Louisiana | $276 | $581 |
| Maine | $78 | $162 |
| Maryland | $213 | $360 |
| Massachusetts | $145 | $308 |
| Michigan | $217 | $419 |
| Minnesota | $121 | $254 |
| Mississippi | $145 | $284 |
| Missouri | $184 | $363 |
| Montana | $115 | $277 |
| Nebraska | $103 | $237 |
| Nevada | $210 | $384 |
| New Hampshire | $107 | $191 |
| New Jersey | $217 | $361 |
| New Mexico | $129 | $291 |
| New York | $154 | $277 |
| North Carolina | $102 | $201 |
| North Dakota | $94 | $206 |
| Ohio | $106 | $207 |
| Oklahoma | $131 | $292 |
| Oregon | $144 | $251 |
| Pennsylvania | $139 | $322 |
| Rhode Island | $179 | $321 |
| South Carolina | $136 | $255 |
| South Dakota | $82 | $255 |
| Tennessee | $113 | $228 |
| Texas | $164 | $334 |
| Utah | $134 | $229 |
| Vermont | $74 | $174 |
| Virginia | $137 | $220 |
| Washington | $121 | $227 |
| West Virginia | $133 | $268 |
| Wisconsin | $97 | $215 |
| Wyoming | $58 | $177 |
Tesla Model X Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, dramatically impacts Tesla Model X insurance costs. Young drivers under 25 can expect around $536 monthly, while adult drivers between 26-64 typically pay just $211 per month with clean records.
| Adult Drivers | $143 | $279 |
| Young Drivers | $365 | $706 |
| Senior Drivers | $191 | $352 |
| Drivers With a Speeding Ticket | $178 | $351 |
| Drivers With an Accident | $211 | $410 |
| Drivers With a DUI | $266 | $514 |
| Drivers With Bad Credit | $341 | $690 |
Is a Tesla Model X 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 Model X ranks 702nd out of 827, making it one of the more expensive cars to insure. Among midsize luxury crossover SUVs, the model ranks sixth most expensive out of 22 alike models.
| Buick Rendezvous | $72 | $139 |
| Lincoln MKX | $83 | $161 |
| Infiniti JX | $90 | $175 |
| Acura ADX | $92 | $179 |
| Cadillac SRX | $93 | $180 |
| Acura MDX | $93 | $180 |
| Bmw X5 | $94 | $182 |
| Mercedes R-Class | $95 | $183 |
| Infiniti QX60 | $101 | $196 |
| Acura ZDX | $101 | $197 |
| Cadillac XT6 | $103 | $201 |
| Bmw X6 | $105 | $205 |
| Land Rover Range Rover Velar | $109 | $213 |
| Cadillac Lyriq | $109 | $213 |
| Genesis GV80 | $120 | $234 |
| Audi SQ7 | $121 | $238 |
| Tesla Model X | $143 | $279 |
| Cadillac Lyriq-V | $147 | $287 |
| Audi SQ8 | $151 | $296 |
| Polestar 3 | $165 | $321 |
| Audi SQ6 e-tron | $360 | $709 |
| Audi Q8 e-tron | $369 | $727 |
Factors That Affect Tesla Car Insurance Costs
Several key factors affect what you'll pay for Tesla Model X insurance coverage:
- Age (45 years median): Middle-aged drivers receive better rates than younger buyers, but Model X attracts the youngest Tesla demographic.
- Gender (74% male): Male ownership correlates with higher-risk driving behaviors and performance-oriented vehicle preferences.
- Income ($157,935 average): High income levels support premium coverage options, though wealth can encourage riskier driving with powerful vehicles.
Average Repair or Replacement Costs
Tesla ranks 22nd in repair affordability among 59 U.S. automakers with median annual costs of $1,034. Tesla Model X repair costs average $1,607 annually, making it Tesla's most expensive model to repair, contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Tesla Model X offers two trim levels with dramatically different insurance costs. The base Model X produces 670 horsepower with dual motors, while the Model X Plaid generates 1,020 horsepower with three motors and 0-60 mph acceleration in 2.5 seconds.
Higher trim levels like the Plaid cost more to insure due to advanced features, specialized parts, and higher replacement values. The falcon-wing doors, air suspension, and premium interior materials increase repair complexity and costs when damaged.
Fuel Type
Tesla Model X vehicles cost more to insure because they're fully electric with high-voltage battery systems. Unlike traditional vehicles, you can't take a damaged Model X to any mechanic, as specialized EV technicians are required.
Limited repair shop availability drives up labor costs, and Tesla's proprietary technology means longer repair times. The 100-kWh battery pack represents the vehicle's most expensive single component, requiring specialized handling and disposal procedures that increase insurance risk assessments.
Location
Tesla Model X owners are heavily concentrated in California and wealthy ZIP codes nationwide, where regional rates vary. Location affects rates through state regulations, weather risks, crime rates and accident statistics.
Driver Profile
Most Tesla Model X drivers are middle-aged (45 years median) males with incomes of $157,935 annually in 2025. This demographic receives moderate rates due to established credit and driving experience, though Tesla owners have higher accident rates than average.
Driver demographics affecting Model X rates:
Cheapest Tesla Model X Insurance Companies
Model X drivers can find the most affordable full coverage car insurance through UAIC, which offers average monthly rates of $213. State Farm provides the cheapest minimum coverage for Model X owners at $117 monthly.
| Travelers | $122 | $225 |
| State Farm | $117 | $244 |
| UAIC | $170 | $213 |
| Nationwide | $142 | $247 |
| GEICO | $125 | $272 |
Cheapest Tesla Model X Insurance by State
We found that these three car insurance companies offer the most affordable Tesla Model X coverage:
- Travelers: Most affordable in nine states
- State Farm: Most affordable in six states
- American National: Most affordable in four states
Use the filter below to find the cheapest auto insurance rates for your Tesla Model X.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Country Financial | $97 |
How to Get the Best Cheap Tesla Model X Insurance
Below we break down the best way to buy car insurance for your Tesla Model X:
- 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 help you understand how much you're saving currently and with another provider. After this, 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 Model X, 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 helps you get the cheapest rate possible. The five discounts below are the most likely we found that Tesla Model X owners will qualify for:
- Bundling/Multi-Policy Discount (5% to 25% savings): With 97% of Tesla owners owning their homes (median home value $641,882 for Model X owners), bundling auto and home insurance provides substantial savings from major carriers. Tesla's affluent owner base makes homeownership nearly universal.
- Professional/Occupational Discount (5% to 15% savings): Tesla Model X owners commonly work as engineers, software engineers, and operational managers - professions that typically qualify for occupational discounts. With many owners holding Master's or PhD degrees, they're prime candidates for professional rate reductions.
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Model X owners' average household income of $157,935 often supports multiple vehicles in their garage. Many Tesla families own both a Model X and other vehicles, qualifying for multi-car discounts from virtually all insurers.
- Good Driver/Safe Driver Discount (5% to 30% savings): Tesla owners have the highest average credit scores (740) among all car buyers, indicating financial responsibility that often correlates with good driving records. This mature, affluent demographic typically maintains clean driving histories that qualify for good driver discounts.
- Safety Features/Advanced Safety Discount (5% to 40% savings): While Tesla Model X safety ratings vary by year, Tesla's advanced autopilot features and comprehensive sensor systems help you avoid crashes. Many insurance companies will reduce your premium for these cutting-edge safety technologies that use eight cameras, 12 ultrasonic sensors and forward-facing radar.
- 5
Consider alternative car insurance types
Tesla Model X owners should consider Tesla Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Tesla Model X insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Tesla Model X Insurance Cost: Bottom Line
Insuring a Tesla Model X costs more than average. Shop multiple companies, explore available discounts and evaluate different coverage options to find competitive rates for your vehicle.
Tesla Model X Insurance Rates: FAQ
Here are answers to common questions about insuring a Tesla Model X.
What is the average cost of car insurance for a Tesla Model X?
The Tesla Model X's average annual insurance cost is $1,712 for state minimum and $3,346 for full coverage.
What company has the cheapest car insurance for a Tesla Model X?
Model X drivers can find the most affordable full coverage car insurance through UAIC, which offers average monthly rates of $213. State Farm provides the cheapest minimum coverage for Model X owners at $117 monthly.
Are Tesla Model Xs expensive to insure?
Yes, Tesla Model X insurance costs more than most cars. Out of 827 vehicles we track, the Model X ranks 702nd for affordability. Among midsize luxury crossover SUVs, this model ranks sixth most expensive out of 22.
What factors affect insurance costs for Tesla Model Xs?
Several things drive up your Tesla Model X 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 Model X 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 Model X Insurance Costs
We studied hundreds of millions of quote estimates across all vehicle models sold in the U.S. from 2000 to 2025 to get you the most accurate Tesla Model X insurance costs.
Who We Based These Rates On
These Tesla Model X 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.