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Tesla Model X insurance rates

Average Tesla Model X insurance rates

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The average insurance costs for a Tesla Model X is $227 a month, or $2,724 a year. A 2017 Tesla Model X starts at a base price of $82,500, putting the annual insurance cost–to–base car price ratio at a low 3.3%. The Tesla X is on the low end of insurance for luxury cars, making it relatively inexpensive to insure for its high-end price tag.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare insurance for your Tesla Model X

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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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 range of luxury cars makes a vehicle a higher cost to fix and therefore insure.

Tesla car insurance rates by model

ModelMonthly insurance rateBase car price
Tesla Model S$227$68,000
Tesla Model X$227$82,500
Tesla Model 3$227$35,000

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 United States, making it the third best selling electric car on the market. There were over 25,000 sales worldwide.

The 2017 Tesla Model X is the safest SUV of all time. The Tesla Model X is the first SUV to receive five star ratings in every category and sub-category. 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.

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