Buy Cheap Tesla Model X Auto Insurance in 2024
If you want to buy Tesla Model X auto insurance coverage online then a policy will cost $183 per month ($2,194 per year) on average. Comprehensive, collision, and liability insurance cost around $534, $780, and $619, respectively.
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Jimmy McMillan
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Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
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UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 pricy. Tesla Model X insurance costs around $675 more per year than the average vehicle. Read on for savings advice on insurance rates for a Tesla Model X.
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 car insurance rates are $2,194 a year or $183 a month.
However, there are a few things you can do to find the cheapest Tesla insurance rates online.
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What Impacts the Cost of Tesla Model X Insurance?
The Tesla Model X trim and model you choose can impact 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, car insurance rates for a 2020 Tesla Model X are $2,194, while 2016 Tesla Model X rates are $2,052, a difference of $142.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Tesla Model X | $540 | $1124 | $372 | $2,194 |
| 2019 Tesla Model X | $516 | $1080 | $390 | $2,144 |
| 2018 Tesla Model X | $494 | $1072 | $398 | $2,122 |
| 2017 Tesla Model X | $478 | $1046 | $416 | $2,098 |
| 2016 Tesla Model X | $462 | $1002 | $430 | $2,052 |
Driver Age
Driver age can have a significant impact on Tesla Model X auto insurance rates. As an example, a 40-year-old driver could pay $232 less each month for their Tesla Model X auto insurance compared to a 20-year-old driver.
Driver Location
Where you live can have a large impact on Tesla Model X insurance rates. For example, drivers in Jacksonville may pay $1,316 a year more than drivers in Indianapolis.
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 auto insurance rates with violations on their driving record.
Tesla Model X Safety Ratings
Your Tesla Model X auto insurance rates are tied to the Tesla Model X’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | N/R |
|---|---|
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | N/R |
| Side | N/R |
| Roof strength | N/R |
| Head restraints and seats | N/R |
| Source: Insurance Institute for Highway Safety | |
Tesla Model X Crash Test Ratings
Tesla Model X crash test ratings can impact the cost of your Tesla Model X car insurance. 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 more safety features you have on your Tesla Model X, the more likely it is that you can earn a discount. The Tesla Model X’s safety features include:
- 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, you will pay more if you purchase Tesla Model X car insurance at the dealership, so be sure to shop around and compare Tesla Model X car insurance quotes from the best companies using our FREE tool below.
Ways to Save on Tesla Model X Insurance
Save more on your Tesla Model X car insurance rates. Take a look at the following five strategies that will get you the best Tesla Model X auto insurance rates possible.
- Make Sure You’re Raising a Safe Driver
- Check Reviews and State Complaints Before You Choose an Insurer
- Understand that Your Insurer Can Change Your Tesla Model X Auto Insurance Rates Mid-Term for Other Reasons
- Ask About Seasonal Insurance for Your Tesla Model X
- Compare Insurance Companies After Moving
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Top Tesla Model X Insurance Companies
Who is the top car 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 | |||
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Frequently Asked Questions
Can I find cheap auto insurance specifically for the Tesla Model X?
Yes, it is possible to find affordable auto insurance specifically tailored for the Tesla Model X. Insurance companies consider various factors when determining insurance rates, including the make and model of the vehicle. While the Tesla Model X is a luxury electric SUV, there are still opportunities to find competitive insurance rates for this model.
What can I do to lower the cost of Tesla Model X auto insurance?
There are several steps you can take to potentially lower the cost of your Tesla Model X auto insurance:
- Maintain a good driving record: Having a clean driving record with no accidents or traffic violations can help lower your insurance premiums.
- Opt for higher deductibles: Choosing a higher deductible means you’ll have to pay more out of pocket in the event of a claim, but it can lower your monthly premiums.
- Install safety features: The Tesla Model X comes equipped with advanced safety features such as autopilot and collision avoidance systems. These features can potentially lead to discounts on your insurance.
- Utilize available discounts: Inquire with insurance companies about any available discounts for electric vehicles or safety features specific to the Tesla Model X.
- Shop around: Compare quotes from multiple insurance companies to find the best rates available for your Tesla Model X.
Does the age of my Tesla Model X affect my insurance rates?
Yes, the age of your Tesla Model X can impact your insurance rates. Generally, newer vehicles may have higher insurance premiums due to their higher value and potentially higher repair costs. As the Tesla Model X ages, the insurance rates may decrease, as long as the car remains in good condition. Other factors, such as your location, driving history, and coverage preferences, also play a significant role in determining the insurance rates for your Tesla Model X.
Are there any specialized insurance companies that focus on Tesla vehicles?
While there are insurance companies that specialize in certain vehicle brands or types, there aren’t any specific insurance companies exclusively dedicated to Tesla vehicles. However, many insurance providers offer coverage options for Tesla owners, including the Model X. Some insurance companies may have specific policies or discounts for electric vehicles, so it’s worth exploring options from various providers.
Can modifications to my Tesla Model X affect my insurance rates?
Yes, modifications to your Tesla Model X can potentially affect your insurance rates. Adding aftermarket modifications or enhancements may increase the cost of insurance as it can raise the vehicle’s value or affect its safety and performance characteristics. It’s important to inform your insurance provider about any modifications made to your Tesla Model X to ensure you have adequate coverage and accurate insurance rates.
Can I get cheap Tesla Model X auto insurance if I’m a young or inexperienced driver?
Young or inexperienced drivers often face higher insurance premiums due to the increased risk associated with their lack of driving experience. However, there are ways to potentially reduce the cost of Tesla Model X auto insurance as a young or inexperienced driver. These include completing driver training courses, maintaining good grades if you’re a student, and considering being added to a parent or guardian’s insurance policy as an additional driver. Shopping around and comparing quotes from different insurance companies can also help find more affordable rates.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.