Tesla Model X Car Insurance Quotes (2026)
Drivers pay an average of $501 per month to insure a Tesla Model X with full coverage.
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Writer: Sarah SharkeyInsurance Writer
Writer: Sarah SharkeyInsurance Writer
Qualifications:
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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Editor: Elena StratoberdhaSenior Editorial Assistant
Editor: Elena StratoberdhaSenior Editorial Assistant
Qualifications:
4+ years in content creation
5+ years of experience in Content Management Systems (CMS)
Elena is a senior editorial assistant at Insurify. She joined the company in 2024 after graduating from Simmons University.
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Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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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.
Compare average monthly quotes for the Tesla Model X by model year in the following table.
Model Year | Average Monthly Quote |
|---|---|
| 2025 | $337 |
| 2024 | $382 |
| 2023 | $334 |
| 2022 | $330 |
| 2021 | $231 |
| 2020 | $323 |
| 2019 | $259 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2025 Tesla Model X insurance
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.
USAA and GEICO have the cheapest full-coverage rates for the 2025 Model X, with monthly averages of $187 and $221, respectively. Check out which insurance companies offer the cheapest full-coverage insurance for the 2025 Tesla Model X in the table below.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| 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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2024 Tesla Model X insurance
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.
USAA offers the lowest full-coverage average cost for a 2024 Model X, at $185 per month. Travelers is the most expensive insurer, at $357 per month — a difference of 93%. The table below shows average monthly full-coverage costs for the 2024 Tesla Model X.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| 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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2023 Tesla Model X insurance
The 2023 Tesla Model X had an MSRP of $81,380.
USAA, GEICO, and State Farm offer the cheapest average rates for drivers with a 2023 Model X, all with monthly averages of less than $215. The table below outlines the average monthly full-coverage prices for the 2023 Tesla Model X.
Insurance Company | Average Monthly Quote |
|---|---|
| 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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2022 Tesla Model X insurance
The 2022 Tesla Model X had a starting price of $98,940.
USAA has the cheapest average rates for the 2022 Tesla Model X, at $158 per month. The following table shows the average car insurance premiums across insurance companies for this model year.
Insurance Company | Average Monthly Quote |
|---|---|
| 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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2021 Tesla Model X insurance
The starting price of a 2021 Tesla Model X was $81,190.
USAA and GEICO offer the cheapest average rates for a 2021 Model X, at $133 and $157 per month. Use the table below to explore the average quotes for the 2021 Model X by insurance company.
Insurance Company | Average Monthly Quote |
|---|---|
| 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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2020 Tesla Model X insurance
Older vehicles typically cost less to insure than new vehicles. The 2020 Tesla Model X had an MSRP of $81,190.
Most insurers offer cheaper rates for an older model Tesla than the newest model. USAA, State Farm, and GEICO are the cheapest insurers for the 2020 Model X, all with monthly rates of less than $200. The General has the most expensive monthly rates, at $409 per month. The General’s rates are 149% higher than USAA’s.
The table below shows the average rates by insurer for the 2020 Tesla Model X.
Insurance Company | Average Monthly Quote |
|---|---|
| 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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2019 Tesla Model X insurance
The 2019 Tesla Model X had an MSRP of $81,000.
USAA has the cheapest coverage for a 2019 Model X, with a monthly average cost of $156, followed by State Farm ($180) and GEICO ($186). The table below provides a breakdown of the average monthly quotes by insurer for the 2019 Tesla Model X.
Insurance Company | Average Monthly Quote |
|---|---|
| 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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Average cost of Tesla 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 in different states.
Alaska and Hawaii aren’t included due to insufficient data.
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 |
How to ensure you have enough coverage on your Tesla 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.
Which company has the cheapest Tesla Model X 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.
Is a Tesla Model X expensive to insure?
Yes. Compared to the national average liability-only policy cost of $98 per month, the Tesla Model X is more expensive to insure, with an average of $172 per month.
How much does it cost to insure a Tesla Model X?
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.
Is the Tesla Model X a luxury car?
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]
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Insurance Handbook: Auto Insurance Basics."
- Tesla. "Model X."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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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Writer: Sarah SharkeyInsurance Writer
Writer: Sarah SharkeyInsurance Writer
Qualifications:
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.
Editor: Elena StratoberdhaSenior Editorial Assistant
Editor: Elena StratoberdhaSenior Editorial Assistant
Qualifications:
4+ years in content creation
5+ years of experience in Content Management Systems (CMS)
Elena is a senior editorial assistant at Insurify. She joined the company in 2024 after graduating from Simmons University.
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.