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
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?
Is Tesla Model X Expensive to Insure?
Among 256 SUVs, the Tesla Model X ranks 204th for insurance affordability. It's a few dollars a month more than an Aston Martin DBX and a few less than a Land Rover Range Rover.
Across all 827 vehicles in MoneyGeek's database, the Model X ranks 702nd, so it's in the most expensive 15% overall. The Isuzu Amigo is the cheapest SUV to insure. The Audi SQ8 e-tron is the most expensive.
| 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 repairs average $1,607 a year, and it's the most expensive among Tesla's six models. Higher repair costs raise the insurer's exposure on any claim, which affects premiums.
- Vehicle Trim, Features and Accessories: Horsepower ranges from 670 to 1,020 depending on trim. Higher-performance variants cost more to insure because more power raises claim risk.
- Driver Profile: Most Model X owners are 40 to 50 with higher incomes, a profile that gets lower rates. The Model X's performance reputation can draw higher-risk drivers, which insurers price in. Read more about the costs of Tesla Model Xs for young drivers.
Tesla Model X Insurance Cost by State
Minimum coverage on a Tesla Model X is $58 a month in Wyoming and $276 in Louisiana. The gap reflects each state's risk profile and regulations, not the vehicle.
| 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
Coverage needs depend on how you own the car.
Own it outright (lower cost):
- State minimum liability requirements
- Comprehensive and collision with a $1,000 deductible
Own it outright (more coverage):
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
- 2Research costs and cheap companies
Check average auto insurance costs for luxury SUVs before you shop. That number tells you whether a quote is competitive. Use it alongside a list of the cheapest car insurance companies to find a better price.
- 3Look for more than just low rates
Price isn't everything with car insurance. Check J.D. Power satisfaction ratings, Better Business Bureau records and AM Best financial stability scores. Forum reviews on claims handling are worth reading too. A cheap policy with slow or disputed claims can cost more than a slightly higher premium from a reliable insurer.
- 4Check discounts you qualify for
Check every car insurance discount before buying. Tesla Model X owners commonly qualify for safety features discounts, good driver discounts, multi-vehicle discounts and bundling discounts. Some insurers also offer green vehicle discounts for electric vehicles — ask specifically.
- 5Consider alternative car insurance types
Usage-based programs like Progressive Snapshot or Allstate Drivewise track your driving and lower premiums for safe habits. Low-mileage drivers see the biggest savings from pay-per-mile options.
- 6Check rates every year
Get car insurance quotes from multiple companies each year. Insurers don't tell you when competitors drop their prices. Annual comparisons can save up to 24%, so set a reminder at each renewal.
Tesla Model X Insurance Cost: Bottom Line
The Model X costs more than average to insure. To cut your rate, compare quotes from multiple insurers, claim every available discount and choose the right coverage level for your vehicle's value.
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 a year for minimum coverage and $3,346 for full.
What company has the cheapest car insurance for a Tesla Model X?
State Farm is cheapest for minimum coverage at $1,404 a year. UAIC is cheapest for full coverage at $2,562 a year.
Are Tesla Model Xs expensive to insure?
Yes. The Model X ranks 204th out of 256 SUVs and 702nd out of 827 total vehicles, so it's in the most expensive tier across both categories.
What factors affect insurance costs for Tesla Model Xs?
The Model X's advanced safety features lower accident-related claims, but its electric powertrain and proprietary parts make repairs expensive, so the net effect is above-average premiums. Your driving record, credit score, coverage level and location are the biggest factors in your final rate.
How can I lower Tesla Model X insurance costs?
Compare quotes from at least three insurers because Model X pricing varies between companies. Ask about usage-based programs that track your driving. Claim every available discount, bundle with other policies and keep your record clean.
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.
Who We Based These Rates On
These Tesla Model X rates reflect whaOur baseline is a 40-year-old unmarried male with a clean record, good credit, no prior claims, a valid license with no suspensions and about 12,000 miles driven a year.
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: $100,000/$300,000/$100,000 liability with comprehensive and collision coverage and a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.