Tesla Model X Car Insurance Quotes (2025)
Drivers pay an average of $501 per month to insure a Tesla Model X with full coverage.
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Table of contents
Drivers with a Tesla Model X spend an average of $501 per month for full-coverage insurance. The Tesla Model X is the most expensive of all Tesla models to insure.
Your unique situation as a driver, including factors like your age, location, coverage type, driving record, credit history, vehicle safety features, discount eligibility, and more, affects your car insurance rates.[1]
Here’s what you need to know about finding car insurance for your Tesla Model X.
Quick Facts
Because Teslas are luxury electric vehicles, they often cost more to insure than many basic gas-powered vehicles.
USAA and State Farm offer the cheapest average rates for Tesla Model X drivers.
The Tesla Model X is the most expensive Tesla model to insure, and the Model Y is the least expensive model to insure.
Cost of Tesla Model X insurance by model year
Tesla Model X insurance costs an average of $172 per month for liability-only insurance. Drivers who opt for more robust protection of full-coverage insurance face an average cost of $501 per month to insure their Tesla Model X.
USAA and GEICO offer some of the cheapest insurance rates for 2025 Tesla Model X drivers, with monthly averages of $187 and $221, respectively.
Model Year  | Average Monthly Quote |
|---|---|
| 2025 | $337 |
| 2024 | $382 |
| 2023 | $334 |
| 2022 | $330 |
| 2021 | $231 |
| 2020 | $323 |
| 2019 | $259 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The standard 2025 Model X has an MSRP of $81,880, and the MSRP for the Model X Plaid jumps to $96,880. Since this newest model year is more expensive, your insurance costs will likely be higher.
Check out which insurance companies offer the cheapest full-coverage rates for the 2025 Tesla Model X in the table below.
Insurance CompanyAverage Monthly Quote: Full CoverageUSAA $187 GEICO $221 State Farm $223 CSAA $240 Allstate $248 Progressive $276 American Family $293 Nationwide $342 Clearcover $348 Travelers $361 The General $403 Liberty Mutual $469 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The starting MSRP for the 2024 Tesla Model X is $79,990, and the 2024 Model X Plaid has a starting MSRP of $94,990.
The table below shows average monthly full-coverage costs for the 2024 Tesla Model X.
Insurance CompanyAverage Monthly Quote: Full CoverageUSAA $185 GEICO $219 State Farm $221 CSAA $238 Allstate $245 Progressive $273 American Family $290 Nationwide $339 Clearcover $344 Travelers $357 The General $398 Liberty Mutual $464 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
USAA and GEICO offer the cheapest average rates to drivers insuring the 2023 Tesla Model, which has an MSRP of $81,380.
The table below outlines the average monthly full-coverage prices for the 2023 Tesla Model X.
Insurance CompanyAverage Monthly QuoteUSAA $179 GEICO $211 State Farm $213 CSAA $229 Allstate $237 Progressive $264 American Family $280 Nationwide $327 Clearcover $332 Travelers $345 The General $385 Liberty Mutual $448 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
USAA has the cheapest average rates for the 2022 Tesla Model X, at $158 per month. The 2022 model has an MSRP of $122,440.
Here are the different average full-coverage car insurance premiums across insurance companies for this model year.
Insurance CompanyAverage Monthly QuoteUSAA $158 GEICO $186 State Farm $188 CSAA $202 Allstate $208 Progressive $232 American Family $247 Nationwide $288 Clearcover $293 Travelers $304 The General $339 Liberty Mutual $395 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
USAA and GEICO offer the cheapest average rates to insure a 2021 Tesla Model X, which has an MSRP of $106,440.
Use the table below to explore average full-coverage rates for the Tesla Model X by insurance company.
Insurance CompanyAverage Monthly QuoteUSAA $133 GEICO $157 State Farm $159 CSAA $171 Allstate $176 Progressive $196 American Family $208 Nationwide $243 Clearcover $247 Travelers $257 The General $286 Liberty Mutual $333 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Older vehicles typically cost less to insure than new vehicles. The 2020 Tesla Model X has an MSRP of $81,190. Most insurers offer cheaper rates for an older model Tesla than the newest model. Again, USAA and State Farm offer the lowest average rates.
The table below shows the average full-coverage rates by insurer for the 2020 Tesla Model X.
Insurance CompanyAverage Monthly QuoteUSAA $164 State Farm $188 GEICO $195 Allstate $227 Progressive $239 American Family $285 Nationwide $304 Travelers $324 Liberty Mutual $327 Farmers $407 The General $409 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
USAA and State Farm offer the cheapest average rates to insure a 2019 Tesla Model X, which has an MSRP of $81,000.
The table below provides a breakdown of the average full-coverage monthly quotes by insurer for the 2019 Tesla Model X.
Insurance CompanyAverage Monthly QuoteUSAA $156 State Farm $180 GEICO $186 Allstate $217 Progressive $228 American Family $272 Nationwide $291 Travelers $310 Liberty Mutual $313 Farmers $390 The General $391 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Tesla Model X car insurance by state
Your ZIP code is one factor that affects how much you pay for car insurance. Check out how much it costs to insure a Tesla Model X in different states.
Average Monthly Rate by State
State | Average Monthly Quote |
|---|---|
| Alabama | $240 |
| Arizona | $298 |
| Arkansas | $445 |
| California | $457 |
| Colorado | $373 |
| Connecticut | $638 |
| Delaware | $363 |
| Florida | $411 |
| Georgia | $413 |
| Idaho | $222 |
| Illinois | $292 |
| Indiana | $240 |
| Iowa | $211 |
| Kansas | $278 |
| Kentucky | $418 |
| Louisiana | $399 |
| Maine | $259 |
| Maryland | $583 |
| Massachusetts | $334 |
| Michigan | $501 |
| Minnesota | $334 |
| Mississippi | $335 |
| Montana | $280 |
| Missouri | $334 |
| North Dakota | $247 |
| Nebraska | $322 |
| New Hampshire | $206 |
| Nevada | $505 |
| New Jersey | $315 |
| New Mexico | $278 |
| New York | $749 |
| North Carolina | $157 |
| Ohio | $220 |
| Oklahoma | $298 |
| Oregon | $273 |
| Pennsylvania | $295 |
| Rhode Island | $246 |
| South Carolina | $460 |
| South Dakota | $227 |
| Tennessee | $261 |
| Texas | $404 |
| Utah | $307 |
| Virginia | $315 |
| Washington | $251 |
| District of Columbia | $457 |
| Vermont | $259 |
| West Virginia | $261 |
| Wisconsin | $234 |
| Wyoming | $228 |
Source: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. Insufficient data is available to show results for Alaska and Hawaii.
How to ensure you have enough coverage on your Model X
As you explore your car insurance options, you should consider the following most common types of coverage.
Bodily injury liability coverage
If you cause injuries to others during an accident, bodily injury liability coverage can help you pay for the other party’s medical bills. Most states require some minimum level of this coverage.
Property damage liability coverage
If you cause damage during an incident, property damage liability coverage pays for repairs to other people’s property up to your insurance policy limit.
Collision coverage
Drivers who want help paying for repairs to their own vehicles after an accident should consider collision coverage. Depending on the situation, a collision policy might pay to repair or replace your vehicle after an accident. Full-coverage policies include both comprehensive and collision coverages.
Comprehensive coverage
If your vehicle incurs damage from something other than an accident, comprehensive coverage can help pay to repair or replace your vehicle. It might be the best car insurance option for drivers seeking more robust coverage for their vehicles and who can afford higher insurance rates.[2]
Tesla Model X car insurance FAQs
The following information can help answer your remaining questions about Tesla Model X car insurance.
USAA and GEICO offer the cheapest car insurance coverage for Tesla Model X drivers. But you should always shop around and compare quotes from multiple insurers to find the best deal for your situation.
Yes. Compared to the national average liability-only policy cost of $105 per month, the Tesla Model X is more expensive to insure, with an average of $172 per month.
On average, it costs $172 per month to insure a Tesla Model X with liability-only coverage. For full-coverage policies, the average car insurance cost is $501 per month.
Many people consider the Tesla Model X to be a luxury car. The electric SUV has a suite of features that appeal to luxury vehicle buyers.[3]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Insurance Handbook: Auto Insurance Basics."
- Tesla. "Model X."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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