Tesla Model X Car Insurance Quotes (2025)

Drivers pay an average of $501 per month to insure a Tesla Model X with full coverage.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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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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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
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 Company
    sort ascsort desc
    Average Monthly Quote: Full Coverage
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Monthly Quote: Full Coverage
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Monthly Quote
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Monthly Quote
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Monthly Quote
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Monthly Quote
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Monthly Quote
    sort ascsort desc
    USAA$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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
AL$240
AZ$298
AR$445
CA$457
CO$373
CT$638
DE$363
FL$411
GA$413
ID$222
IL$292
IN$240
IA$211
KS$278
KY$418
LA$399
ME$259
MD$583
MA$334
MI$501
MN$334
MS$335
MT$280
MO$334
ND$247
NE$322
NH$206
NV$505
NJ$315
NM$278
NY$749
NC$157
OH$220
OK$298
OR$273
PA$295
RI$246
SC$460
SD$227
TN$261
TX$404
UT$307
VA$315
WA$251
DC$457
VT$259
WV$261
WI$234
WY$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.

  • illustration card https://a.storyblok.com/f/162273/150x150/c09380c3c0/car-dashboard-96x96-orange_045-airbag.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Property damage liability coverage

    If you cause damage during an incident, property damage liability coverage pays for repairs to other peoples’ property up to your insurance policy limit.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Insurance Information Institute. "Insurance Handbook: Auto Insurance Basics."
  3. Tesla. "Model X."
Sarah Sharkey
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.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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.

Featured in

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