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How Much is Insurance on a Tesla Model X?

Getting Tesla Model X insurance quotes will cost on average $183 per month ($2,194 per year). You can find cheap Tesla Model X insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $1,289 a year.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 19, 2020

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Key takeaways:

  • Full coverage costs around $2,194 a year or $183 each month
  • A liability-only policy costs around $880 a year or $73 each month
  • Highest rates are for teenage drivers at around $8,019 a year or $668 each month
  • Good drivers can save as much as $905 a year by earning policy discounts
  • Tesla Model X insurance costs around $675 more per year than the average vehicle

Tesla Model X insurance rates are quite a bit more than the average vehicle, averaging $2,194 a year or $183 a month for full coverage. Good drivers can save up to $905 a year by remaining claim-free. Let’s take a look at Tesla Model X insurance rates, crash test ratings, and more.

You can start comparing quotes for Tesla Model X car insurance rates from some of the best car insurance companies by using our free online tool now.

Tesla Model X Insurance Cost

The average Tesla Model X auto insurance costs are $2,194 a year or $183 a month.

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What Impacts the Cost of Tesla Model X Insurance?

The Tesla Model X trim and model you choose will affect the total price you will pay for Tesla Model X insurance coverage.

Age of the Vehicle

Older Tesla Model X models generally cost less to insure. For example, auto insurance for a 2020 Tesla Model X costs $2,194, while 2016 Tesla Model X insurance costs are $2,052, a difference of $142.

Model Year Comprehensive Collision Liability Total
2020 Tesla Model X $540 $1,124 $372 $2,194
2019 Tesla Model X $516 $1,080 $390 $2,144
2018 Tesla Model X $494 $1,072 $398 $2,122
2017 Tesla Model X $478 $1,046 $416 $2,098
2016 Tesla Model X $462 $1,002 $430 $2,052

Driver Age

Driver age can have a significant impact on the cost of Tesla Model X auto insurance. For example, 20-year-old drivers pay approximately $2,683 each year for their Tesla Model X auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Tesla Model X insurance rates. For example, drivers in Phoenix may pay $1,207 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Tesla Model X auto insurance. Teens and drivers in their 20’s see the highest jump in their Tesla Model X car insurance with violations on their driving record.

Tesla Model X Crash Test Ratings

Good Tesla Model X crash test ratings can lower your Tesla Model X auto insurance rates. See Tesla Model X crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 Tesla Model X (All Variants 7psgr) SUV AWD 5 stars 5 stars 5 stars 5 stars
2020 Tesla Model X (All Variants 6-Seat) SUV AWD 5 stars 5 stars 5 stars 5 stars
2020 Tesla Model X (All Variants 5-Seat) SUV AWD 5 stars 5 stars 5 stars 5 stars
2019 Tesla Model X P90D SUV AWD 5 stars 5 stars 5 stars 5 stars
2019 Tesla Model X P100D SUV AWD 5 stars 5 stars 5 stars 5 stars
2019 Tesla Model X 90D SUV AWD 5 stars 5 stars 5 stars 5 stars
2019 Tesla Model X 75D SUV AWD 5 stars 5 stars 5 stars 5 stars
2019 Tesla Model X 60D SUV AWD 5 stars 5 stars 5 stars 5 stars
2018 Tesla Model X P90D SUV AWD 5 stars 5 stars 5 stars 5 stars
2018 Tesla Model X P100D SUV AWD 5 stars 5 stars 5 stars 5 stars
2018 Tesla Model X 90D SUV AWD 5 stars 5 stars 5 stars 5 stars
2018 Tesla Model X 75D SUV AWD 5 stars 5 stars 5 stars 5 stars
2018 Tesla Model X 60D SUV AWD 5 stars 5 stars 5 stars 5 stars
2017 Tesla Model X P90D SUV AWD 5 stars 5 stars 5 stars 5 stars
2017 Tesla Model X P100D SUV AWD 5 stars 5 stars 5 stars 5 stars
2017 Tesla Model X 90D SUV AWD 5 stars 5 stars 5 stars 5 stars
2017 Tesla Model X 75D SUV AWD 5 stars 5 stars 5 stars 5 stars
2017 Tesla Model X 60D SUV AWD 5 stars 5 stars 5 stars 5 stars
2016 Tesla Model X P90D SUV AWD Later Release N/R N/R N/R N/R
2016 Tesla Model X P90D SUV AWD Early Release N/R N/R N/R N/R
2016 Tesla Model X P100D SUV AWD Later Release N/R N/R N/R N/R
2016 Tesla Model X P100D SUV AWD Early Release N/R N/R N/R N/R
2016 Tesla Model X 90D SUV AWD Later Release N/R N/R N/R N/R
2016 Tesla Model X 90D SUV AWD Early Release N/R N/R N/R N/R
2016 Tesla Model X 75D SUV AWD Later Release N/R N/R N/R N/R
2016 Tesla Model X 75D SUV AWD Early Release N/R N/R N/R N/R
2016 Tesla Model X 60D SUV AWD Later Release N/R N/R N/R N/R
2016 Tesla Model X 60D SUV AWD Early Release N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Tesla Model X Safety Features

The numerous safety features of the Tesla Model X help contribute to lower insurance rates. The 2020 Tesla Model X has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Blind Spot Monitor
  • Auto-Leveling Headlights
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Tesla Model X Finance and Insurance Cost

If you are financing a Tesla Model X, most lenders will require your carry higher Tesla Model X coverage options including comprehensive coverage, so be sure to shop around and compare Tesla Model X car insurance rates from the best companies using our FREE tool below.

Ways to Save on Tesla Model X Insurance

Drivers can end up saving more money on their Tesla Model X car insurance rates by employing any one of the following strategies.

  • Carpool to Work Instead of Driving Your Tesla Model X
  • Buy a Dashcam for Your Tesla Model X
  • Never Drink and Drive Your Tesla Model X
  • Buy Your Tesla Model X with Cash, or Get a Shorter-Term Loan
  • Understand the Different Types of Auto Insurance for Your Tesla Model X

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Top Tesla Model X Insurance Companies

Who is the best auto insurance company for Tesla Model X insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Tesla Model X auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Tesla Model X offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Tesla Model X Insurance Quotes Online

To start comparing Tesla Model X car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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