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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.

Top car insurers for Tesla Model XCompare companies
How much does insurance cost?See sample rates

The average cost of car insurance for a 2021 Tesla Model X is $317.07 a month —or $3,804.84 a year. However, your actual costs depend on your driving history, car model, location and other factors.

Filter car insurance companies by states served, roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
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 AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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Tesla car insurance rates by model

We pulled Tesla Model X car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2021 Tesla Model X is $317.07. However, an older model may score you lower rates.

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 don’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

Your rates may be different based on details such as your zip, location, job type, annual mileage and more.

Compare car insurance quotes

Enter your ZIP code below and click Compare to see the cheapest rates in your area.

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.

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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