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Tesla Model X insurance rates

Average 2021 Model X insurance cost: $317. Cheapest rate? $249. Style costs unless you shop around.

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Tesla Model X is $317.07 a month — or $3,804.84 a year. However, some older models may cost less to insure than others depending on the safety features your vehicle has and which insurer you choose. And your actual costs depend on your specific details such as your driving history, ZIP, annual mileage, age and other factors.

Model YearProgressiveGeicoState FarmFarmersAverage
2016 Tesla Model X$131.74$197.30$264.39$355.08$237.13
2021 Tesla Model X$318.78$248.55$308.14$392.82$317.07

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
Bankrate
Bankrate
Yes
Yes
Yes
Yes
All 50 states
Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
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Get the cheapest quotes for your Tesla Model X

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Why is insurance so expensive for the Tesla Model X?

The Tesla Model X costs more to insure than the average vehicle because it’s considered a luxury car that may require high-end parts to repair. Falling into the luxury car classification makes a vehicle more expensive to fix, and the cost to insure will reflect this.

How safe is the Tesla Model X?

The Tesla Model X has been around since 2016 and is an all-electric crossover SUV. The luxury midsize SUV is known for its long driving range, excellent acceleration and outstanding driving technology.

By the end of 2016, there were over 18,000 sales in the US, making it the third best-selling electric car on the market. There were over 25,000 sales worldwide.

The National Highway Traffic Safety Administration awarded the Tesla Model X with a 5-Star Overall Safety Rating. All crash tests performed on the SUV received the highest possible safety rating.

The Tesla Model X model includes lane departure warning, enhanced autopilot system and automatic emergency braking.

How does the Tesla Model X compare to other car models?

From a price standpoint, the Tesla Model X ranks right in the middle of our list of the 360 priciest car models to insure.

About this car

The Model X Plaid is Tesla’s highest-performing all-electric model, with a 1,020-horsepower trimotor clocking in at 0 to 60 in 2.5 seconds, reaching a top speed of 149 mph and a range of up to 340 miles. It comes equipped with a 100 kWh battery pack called the P100D and it adds about 500 pounds total weight to the vehicle. And it’s a real powerhouse, with the highest towing capacity of any electric SUV: enough to tow a 150-ton Boeing 787 almost 1,000 feet as demonstrated in Melbourne, Australia on 2018.

Its self-driving mode utilizes cameras and sensors all around the vehicle tat enables it to change lanes independently while the driver stays attentive and keeps their hands on the steering wheel. As of November 2021, the self-drive feature is merely an assistive device Tesla’s still developing and should not be considered totally autonomous.

But it claims to be the safest SUV ever sold, boasting a 5-star crash test rating with a very low rollover probability, thanks to that 500-lb battery pack’s placement underneath the driver and front passenger seats to give it a low center of gravity — a safety feature no other SUV can claim.

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