Tesla Model X insurance costs vary substantially by model year, with newer vehicles being more expensive to cover. Monthly premiums range from $405 for 2025 models down to $108 for older Model Xs as depreciation reduces replacement costs.
Tesla Model X Insurance Cost
Updated: January 16, 2026
Key Takeaways
Tesla Model X insurance costs an average of $279 monthly for full coverage. Kemper is offering the lowest rates at $259 monthly for full coverage on 2025 models. Read more
The Model X ranks 204th out of 256 SUVs for insurance affordability, placing it in the more expensive tier of its vehicle class. Among all 827 vehicles analyzed, it ranks 702nd overall, confirming its position as one of the pricier models to insure. Read more
Shop multiple insurers annually, as full coverage pricing ranges from $213 monthly with UAIC to $460 with AIG for identical coverage. Taking advantage of safety feature and electric vehicle discounts can reduce premiums by up to 24%. Read more
How Much Is Tesla Model X Insurance?
Looking for another Tesla model? Read more about the cost of Tesla car insurance models.
Costs vary by model year and company. Tesla Model X minimum coverage ranges from $117 monthly with State Farm to $214 with Farmers, while full coverage spans $213 monthly with UAIC to higher rates with AIG.
Rate variations (more than $97 for minimum coverage and $247 for full coverage) demonstrate why Model X owners need to shop around. Insurance companies calculate risk differently for each model, which impacts your final quote.
| 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 |
Is Tesla Model X Expensive to Insure?
MoneyGeek's analysis of 256 SUVs reveals the Tesla Model X ranks 204th for insurance affordability. It sits between the slightly cheaper Aston Martin DBX and the marginally pricier Land Rover Range Rover, positioning it in the middle-to-upper tier among SUVs. This ranking shows it's not the most affordable SUV option but isn't the most expensive either.
While middle-tier among SUVs, the Model X ranks 702nd out of 827 total vehicles, placing it among the top 15% most expensive models to insure overall. The Isuzu Amigo claims the cheapest SUV spot, while the Audi SQ8 e-tron commands the highest premiums in the SUV category.
| Land Rover Defender | $201 | 201 |
| Polestar 4 | $206 | 202 |
| Aston Martin DBX | $210 | 203 |
| Tesla Model X | $211 | 204 |
| Land Rover Range Rover | $212 | 205 |
| GMC Hummer EV | $215 | 206 |
| BMW iX | $215 | 207 |
Several factors affect what you'll pay for Tesla Model X insurance:
- Average Repair or Replacement Costs: Tesla Model X repair costs average $1,607 annually, ranking as Tesla's most expensive model to maintain out of six available models. These higher maintenance expenses directly translate to increased insurance premiums.
- Vehicle Trim, Features and Accessories: Performance capabilities vary across trims, with horsepower ranging from 670 to 1,020. Higher-performance variants command substantially more expensive premiums due to their extreme power output and increased risk profile.
- Driver Profile: Most Tesla Model X owners fall into the 40 to 50 age range with higher incomes, which leads to lower rates. However, the vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Tesla Model Xs for young drivers.
Tesla Model X Insurance Cost by State
Car insurance for a Tesla Model X ranges from $58 monthly in Wyoming to $276 in Louisiana for minimum coverage, depending on where you're located. These dramatic differences reflect your state's risk characteristics and insurance regulations rather than anything specific to the vehicle itself.
| 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 Costs by Model Year and Insurance Company
A 2016 Tesla Model X costs about $266 monthly to insure for drivers aged 35 to 55, while a 2025 model jumps to $389 per month for the same coverage. Your Tesla Model X insurance costs change greatly depending on model year and driver age on your policy. Newer models are much more expensive to insure, and young drivers in their teens and early twenties face even steeper rates across all years.
Kemper offers the cheapest rates across all Tesla Model X model years and could save you hundreds monthly compared to average costs. Shopping between insurers gives you the best opportunity to reduce your premium.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Tesla Model X
| Kemper | $126 | $259 |
| National General | $135 | $276 |
| Nationwide | $147 | $257 |
| Travelers | $152 | $282 |
| State Farm | $168 | $355 |
| UAIC | $181 | $226 |
| Progressive | $185 | $346 |
| Geico | $201 | $439 |
| Chubb | $218 | $439 |
| AAA | $220 | $459 |
| Amica | $231 | $476 |
| AIG | $235 | $595 |
| Allstate | $236 | $458 |
| The Hartford | $257 | $439 |
| Farmers | $300 | $526 |
Cost of Car Insurance for 2024 Tesla Model X
| State Farm | $140 | $294 |
| National General | $142 | $290 |
| Travelers | $157 | $290 |
| Geico | $166 | $362 |
| Progressive | $169 | $317 |
| Nationwide | $179 | $312 |
| UAIC | $193 | $244 |
| Kemper | $202 | $441 |
| Allstate | $218 | $425 |
| AAA | $221 | $462 |
| Chubb | $227 | $460 |
| Amica | $246 | $506 |
| The Hartford | $246 | $420 |
| AIG | $249 | $631 |
| Farmers | $282 | $492 |
Cost of Car Insurance for 2023 Tesla Model X
| State Farm | $125 | $263 |
| National General | $127 | $259 |
| Travelers | $140 | $259 |
| Geico | $149 | $324 |
| Progressive | $151 | $283 |
| Nationwide | $160 | $279 |
| UAIC | $172 | $218 |
| Kemper | $181 | $395 |
| Allstate | $195 | $381 |
| AAA | $198 | $413 |
| Chubb | $203 | $411 |
| Amica | $220 | $453 |
| The Hartford | $220 | $375 |
| AIG | $223 | $565 |
| Farmers | $252 | $440 |
Cost of Car Insurance for 2022 Tesla Model X
| State Farm | $114 | $241 |
| National General | $116 | $237 |
| Travelers | $128 | $237 |
| Geico | $136 | $296 |
| Progressive | $138 | $259 |
| Nationwide | $147 | $255 |
| UAIC | $158 | $200 |
| Kemper | $165 | $361 |
| Allstate | $178 | $348 |
| AAA | $181 | $377 |
| Chubb | $186 | $376 |
| Amica | $201 | $414 |
| The Hartford | $201 | $343 |
| AIG | $204 | $516 |
| Farmers | $230 | $402 |
Cost of Car Insurance for 2021 Tesla Model X
| National General | $135 | $277 |
| Geico | $155 | $337 |
| Travelers | $162 | $298 |
| State Farm | $163 | $340 |
| The Hartford | $172 | $294 |
| Nationwide | $183 | $319 |
| Kemper | $191 | $394 |
| Allstate | $194 | $377 |
| Progressive | $195 | $366 |
| AAA | $203 | $421 |
| Chubb | $210 | $421 |
| Amica | $213 | $437 |
| UAIC | $231 | $289 |
| AIG | $233 | $581 |
| Farmers | $274 | $485 |
Cost of Car Insurance for 2020 Tesla Model X
| National General | $98 | $202 |
| State Farm | $115 | $241 |
| Geico | $124 | $270 |
| Travelers | $127 | $234 |
| Progressive | $138 | $259 |
| Nationwide | $155 | $270 |
| AAA | $161 | $336 |
| Chubb | $163 | $329 |
| UAIC | $166 | $210 |
| Kemper | $166 | $358 |
| Amica | $172 | $353 |
| Allstate | $176 | $343 |
| AIG | $188 | $475 |
| The Hartford | $202 | $345 |
| Farmers | $211 | $367 |
Cost of Car Insurance for 2019 Tesla Model X
| National General | $92 | $188 |
| State Farm | $108 | $225 |
| Geico | $116 | $252 |
| Travelers | $118 | $219 |
| Progressive | $129 | $242 |
| Nationwide | $145 | $252 |
| AAA | $151 | $314 |
| Chubb | $152 | $307 |
| UAIC | $155 | $196 |
| Kemper | $155 | $335 |
| Amica | $160 | $330 |
| Allstate | $165 | $320 |
| AIG | $176 | $444 |
| The Hartford | $189 | $322 |
| Farmers | $197 | $343 |
Cost of Car Insurance for 2018 Tesla Model X
| National General | $74 | $152 |
| State Farm | $87 | $182 |
| Geico | $94 | $204 |
| Travelers | $96 | $177 |
| Progressive | $104 | $196 |
| Nationwide | $117 | $204 |
| AAA | $122 | $254 |
| Chubb | $123 | $248 |
| UAIC | $125 | $158 |
| Kemper | $125 | $270 |
| Amica | $130 | $267 |
| Allstate | $133 | $259 |
| AIG | $142 | $359 |
| The Hartford | $153 | $261 |
| Farmers | $159 | $277 |
Cost of Car Insurance for 2017 Tesla Model X
| National General | $87 | $178 |
| Geico | $105 | $228 |
| Travelers | $106 | $196 |
| State Farm | $108 | $225 |
| Nationwide | $126 | $217 |
| Amica | $136 | $279 |
| Chubb | $138 | $275 |
| Kemper | $143 | $292 |
| Progressive | $145 | $271 |
| AAA | $146 | $303 |
| Allstate | $157 | $303 |
| AIG | $157 | $387 |
| UAIC | $179 | $224 |
| Farmers | $192 | $337 |
| The Hartford | $230 | $392 |
Cost of Car Insurance for 2016 Tesla Model X
| National General | $84 | $173 |
| Geico | $102 | $221 |
| Travelers | $103 | $190 |
| State Farm | $105 | $218 |
| Nationwide | $122 | $211 |
| Amica | $132 | $271 |
| Chubb | $134 | $266 |
| Kemper | $138 | $283 |
| Progressive | $140 | $263 |
| AAA | $142 | $294 |
| Allstate | $152 | $294 |
| AIG | $152 | $375 |
| UAIC | $174 | $217 |
| Farmers | $186 | $327 |
| The Hartford | $223 | $380 |
Tesla Model X Insurance Cost by Trim
Insurance costs for your Tesla Model X range from $405 monthly for full coverage on high-performance Model X Plaid variants down to $116 for minimum coverage on basic Standard Range Sport Utility 4d models. Performance features, rarity, and market value determine where each trim falls in this wide cost spectrum.
| 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 |
How to Lower the Cost of Tesla Model X Insurance
We've compiled proven strategies to help you find affordable Tesla Model X insurance rates:
- 1Choose the right coverage
Figure out how much coverage to buy for your Tesla Model X based on ownership status. Own it outright? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Choose 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 researching average auto insurance costs for luxury SUVs. This benchmark assists with finding the cheapest car insurance companies offering competitive rates. Tesla owners in tech hubs like Silicon Valley often face higher premiums due to regional factors and vehicle repair costs.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond price quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau records and confirm AM Best financial stability ratings. Budget options could provide limited coverage or slower claims service when you need assistance most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Tesla Model X owners qualify for safety features discounts, good driver discounts, multi-vehicle savings and bundling discounts. Electric vehicle owners in progressive markets like Austin may find additional green vehicle incentives from certain insurers seeking environmentally conscious customers.
- 5Consider alternative car insurance types
Tesla Model X owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions based on actual driving behavior. Low-mileage drivers in urban areas like Manhattan often see significant savings through pay-per-mile programs that reward reduced driving.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure competitive pricing. Insurers don't notify you when competitors lower their rates, so yearly comparisons might save up to 24% on your Tesla Model X insurance. Market changes and new discounts emerge regularly, making annual reviews essential for maintaining affordable coverage.
Tesla Model X Insurance Cost: Bottom Line
Tesla Model X insurance costs more than average, but you can still secure decent rates. Shopping multiple companies, claiming available discounts and adjusting coverage options helps you find better pricing for your luxury electric vehicle.
Tesla Model X Insurance Rates: FAQ
What is the average cost of car insurance for a Tesla Model X?
Tesla Model X insurance averages $1,712 annually for state minimum coverage and $3,346 for full coverage. These rates represent significant savings compared to national insurance averages.
What company has the cheapest car insurance for a Tesla Model X?
State Farm provides the most affordable minimum coverage for a Tesla Model X at $1,404 annually. UAIC offers the best value for full coverage policies at $2,562 per year.
Are Tesla Model Xs expensive to insure?
Yes, Tesla Model X insurance costs more than most vehicles to insure. Among SUVs specifically, this model places 204th out of 256 for affordability, while ranking 702nd out of 827 total vehicles we track.
What factors affect insurance costs for Tesla Model Xs?
Your driving record and credit score impact premiums, along with your coverage selections and location. The vehicle's advanced safety features and electric powertrain help keep costs reasonable.
How can I lower Tesla Model X insurance costs?
Compare quotes from multiple insurers since Tesla Model X pricing differs between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle with other policies and keep your driving record clean to secure better rates.
How We Determined Tesla Model X 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 Model X insurance costs.
Who We Based These Rates On
These Tesla Model X 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.