Cheap Tesla Cybertruck Insurance in 2025 (10 Best Companies for Savings)
State Farm, Progressive, and Allstate offer cheap Tesla Cybertruck insurance, with rates starting at $129 a month. State Farm has the lowest rates for most Cybertruck drivers, Progressive helps manage high EV insurance costs, while Allstate rewards safe Cybertruck drivers with usage-based EV discounts.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: May 13, 2025
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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: May 13, 2025
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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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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11,638 reviewsState Farm, Progressive, and Allstate all offer cheap Tesla Cybertruck insurance. State Farm is the cheapest, with rates starting at $129 per month.
Our Top 10 Company Picks: Cheap Tesla Cybertruck Insurance
| Company | Rank | A.M. Best | Monthly Rates | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | A++ | $129 | Cheap Rates | State Farm |
 | #2 | A+ | $133 | Tight Budgets | Progressive |
 | #3 | A+ | $136 | Low Mileage | Allstate |
 | #4 | A++ | $138 | Add-Ons | Auto-Owners |
 | #5 | A | $140 | UBI Discount | Mercury |
 | #6 | A | $143 | Loyalty Rewards | American Family |
 | #7 | A | $148 | Accident Forgiveness | Liberty Mutual |
 | #8 | A+ | $150 | Simple Claims | Nationwide |
 | #9 | A++ | $152 | Customer Service | Travelers |
 | #10 | A | $155 | Many Discounts | Farmers |
State Farm stands out as the top pick overall, offering cheap Tesla auto insurance with the best customer service and coverage options. Progressive gives big discounts for safe drivers and bundling, while Allstate offers flexible policies with strong claims support.
Comparing Tesla Cybertruck insurance quotes can help you find the right balance of price and coverage. Use our guide on how to evaluate Cybertruck auto insurance quotes for more details.
- Cheap Tesla Cybertruck insurance starts at $129 a month with State Farm
- Progressive and Allstate offer savings through bundling and flexible policies
- Comparing quotes helps find the best mix of price, coverage, and discounts
To find out if you can get cheaper Cybertruck insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.
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#1 – State Farm: Top Overall Pick
Pros
- Usage-Based Savings: Save up to 30% with Drive Safe & Save for Tesla Cybertruck by tracking safe driving habits via your smartphone.
- Best Overall Value: State Farm is a top choice for affordable Tesla Cybertruck insurance, offering strong A++ financial ratings and top customer satisfaction scores. Find out more in our State Farm review.
- Low-Cost Coverage: State Farm has a low $129 monthly rate for basic coverage and the cheapest Cybertruck full coverage for $320 per month.
Cons
- Small Bundling Discount: Multi-policy discount is limited to up to 17%, less than some competitors for Tesla Cybertruck.
- Limited Availability: Cybertruck drivers in some states, including RI, MA, FL, and CA, may see fewer policy options or higher rates.
#2 – Progressive: Cheapest for Tight Budgets
Pros
- Helpful Online Tool: The handy Name-Your-Price tool online helps drivers on a budget find the most affordable Tesla Cybertruck insurance. Check out our Progressive insurance review for more details.
- Biggest EV Discount: Progressive offers a 22% insurance discount on electric vehicles, including the Tesla Cybertruck.
- Great Rates: With rates starting at just $133, Progressive provides hassle-free and cheap Cybertruck insurance.
Cons
- Fewer Ways to Customize: Some Tesla Cybertruck insurance plans may not be available in every state or with every policy option.
- Savings May Vary: Its usage-based program can raise Cybertruck insurance rates if you speed or drive at night. Learn more in our Progressive Snapshot review.
#3 – Allstate: Cheapest for Low Mileage
Pros
- Mileage-Based Savings: Allstate Milewise and Milewise Unlimited help Cybertruck drivers who are on the road less than 12,000 miles a year save money. Get the details in our Milewise review.
- Great Discounts For Safe Drivers: Our Allstate Drivewise review explains how this usage-based program rewards good drivers with even lower Tesla Cybertruck insurance rates and discounts.
- Competitive Minimum Coverage Rates: With a minimum coverage rate of $136, Allstate remains an affordable option for cheap Tesla Cybertruck insurance.
Cons
- Higher Full Coverage Premiums: Some Cybertruck owners may find Allstate full coverage Tesla Cybertruck insurance rates higher than its competitors.
- Discount Availability: UBI discount savings may vary depending on driving behavior, location, policy details, and insurer guidelines.
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#4 – Auto-Owners: Cheapest for Add-Ons
Pros
- Affordable Minimum Coverage: Minimum coverage for Cybertruck starts at $138 per month. Compare more quotes in our Auto-Owners auto insurance review.
- Customizable Coverage: Auto-Owners provides a variety of add-ons such as ental car coverage, roadside assistance, and gap insurance for Tesla Cybertruck.
- Strong Customer Satisfaction: Policyholders report high satisfaction with Auto-Owners’ cheap Tesla Cybertruck insurance customer service.
Cons
- Limited Availability: Auto-Owners doesn’t offer cheap Tesla Cybertruck insurance in every state, so options may be limited.
- Basic Online Tools: They don’t have many digital features to help manage your Tesla Cybertruck insurance policy online.
#5 – Mercury: Cheapest for UBI Discounts
Pros
- Biggest UBI Discount: Tesla Cybertruck drivers can cut their rates in half with a 50% discount through MercuryGo usage-based policies.
- Lots of Discounts Available: Mercury has different discounts to help lower Tesla Cybertruck insurance costs for those who qualify.
- Perfect for Young Drivers: Mercury’s discounts help younger Tesla Cybertruck owners quickly get a lower insurance rate.
Cons
- Extra Fees: Some Mercury policies add extra fees, making Tesla Cybertruck insurance more expensive. Our Mercury auto insurance review guide provides the full scoop.
- Limited Availability: Mercury’s cheap Tesla Cybertruck insurance isn’t available in all states CA, AZ, TX, so not all drivers can get it.
#6 – American Family: Cheapest for Loyalty Rewards
Pros
- Loyalty Discounts: American Family provides long-term policyholders and families insuring multiple drivers can save up to 20% on Tesla Cybertruck insurance.
- Perks for Safe Drivers: AmFam DriveMyWay UBI can save safe Cybertruck drivers up to 25% on their rates.
- Strong Customer Support: Tesla Cybertruck owners benefit from excellent customer service and claims handling. Find everything in our American Family auto insurance review guide.
Cons
- Fewer Local Agents: Tesla Cybertruck drivers who prefer in-person help may find fewer local offices compared to other insurers.
- Higher Starting Rates: Base rates may be higher before applying discounts, impacting initial policy costs for drivers.
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#7 – Liberty Mutual: Cheapest for Accident Forgiveness
Pros
- Protection Against Accidents: Safe Tesla Cybertruck drivers with a clean record can avoid higher rates after their first accident, saving money and reducing stress.
- Exclusive Loyalty Benefits: Liberty Mutual rewards long-term customers with lower rates on cheap Tesla Cybertruck insurance. For more details, see our Liberty Mutual auto insurance review.
- New Vehicle Protection: Drivers can add new car and better car replacement to policies to protect new Cybertrucks if they’re totaled in an accident.
Cons
- Higher Rates: Tesla Cybertruck insurance can cost more, especially for new customers without a history.
- Customer Service Varies: Some customers say Liberty Mutual’s service is not consistent, with slow responses and mixed support. quality.
#8 – Nationwide: Cheapest for Simple Claims
Pros
- Hassle-Free Claims Process: Nationwide simplifies the process for filing Tesla Cybertruck insurance claims online. Read more in our Nationwide auto insurance review.
- Vanishing Deductible: Safe drivers can reduce their deductibles over time for cheap Tesla Cybertruck insurance.
- Multiple UBI Programs: Nationwide offers SmartRide UBI for safe drivers and SmartMiles pay-per-mile plans for low-mileage drivers can save up to 40% Cybertruck insurance rates.
Cons
- Limited Online Features: Some digital tools for easy Tesla Cybertruck insurance management are lacking.
- Increased Rates for Drivers: Tesla Cybertruck owners may find premiums higher than with other companies.
#9 – Travelers: Cheapest for Customer Service
Pros
- Trusted Support: Travelers offers budget-friendly Cybertruck insurance backed by reliable customer service and claims assistance for Tesla Cybertruck insurance.
- Strong Financial Stability: Travelers has an A++ financial rating and is reliable for handling Cybertruck insurance claims. Read our Travelers auto insurance review for more information.
- Long List of Discounts: Cybertruck drivers can qualify for multiple discounts for safe driving, good students, electric vehicles (EV), and new Teslas.
Cons
- Minimal Online Services: Travelers website and app do not have as many features as other insurance companies, making it harder to manage your account.
- Mixed Customer Satisfaction: Cybertruck insurance customer service reviews vary by state and region, and Travelers claims satisfaction ratings are below average.
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#10 – Farmers: Cheapest for Many Discounts
Pros
- Largest Discount List: Farmers offers more auto insurance discounts for Tesla Cybertrucks including bundling, good student, and multi-vehicle savings.
- High Claims Satisfaction: Customers consistently rate Farmers above average for Tesla insurance claims handling in annual J.D. Power surveys.
- Local Agents: Cybertruck drivers can work directly with personal insurance agents to manage their policy.
Cons
- Higher Base Premiums: Some Tesla Cybertruck owners may find standard rates less competitive. Get quotes now in our Farmers auto insurance review.
- Limited Digital Tools: Online policy management features are not as advanced as some competitors’, making updates slower and less convenient.
Tesla Cybertruck Insurance Rates Compared Across Top Providers
Comparing quotes from different companies can help you find the best mix of cost and coverage for a Tesla Cybertruck. The most affordable options come from State Farm, Progressive, and Allstate. Tesla Cybertruck insurance costs vary by provider and coverage level.
Tesla Cybertruck Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $136 | $335 |
| $143 | $342 |
| $138 | $345 |
| $155 | $360 |
| $148 | $350 |
| $140 | $338 |
| $150 | $330 |
| $133 | $340 |
| $129 | $320 |
| $152 | $355 |
Full coverage costs more than basic coverage, but it provides better protection in case of accidents or damage. The price difference depends on the company, so it’s good to compare quotes. State Farm is the cheapest company for both minimum and full coverage, but checking different options can help drivers get the right coverage without spending too much.
Insurance companies set their prices based on different things. Some companies charge more but include perks like accident forgiveness, like Liberty Mutual, or offer better claims service, like Nationwide. Others have lower prices but provide less coverage.
How much is a Tesla Cybertruck per month? Insurance is just one part of the cost. Maintenance and charging costs could be between $900 and $1,500 each month, and auto insurance can add $100 to $300 per month. So, it’s good to add everything up when planning your budget.
Coverage Options for Tesla Cybertrucks
Insuring a Tesla Cybertruck requires more than basic liability. Due to its high value, electric powertrain, and advanced technology, owners should consider full protection to avoid costly out-of-pocket expenses after an accident or loss. Below are the top coverage options recommended for Cybertruck drivers:
- Liability Coverage: Liability auto insurance coverage pays for injuries or damages you cause to others, required by law in most states.
- Collision Coverage: Covers repairs or replacement if your Cybertruck is damaged in a crash.
- Comprehensive Coverage: Protects against theft, vandalism, weather damage, and other non-collision events.
- Gap Insurance: Pays the difference if your loan or lease balance exceeds your Cybertruck’s value after a total loss.
- OEM Parts Coverage: Ensures repairs use original Tesla parts, protecting the truck’s performance and value.
By selecting the right coverage, you can protect your investment and avoid unexpected costs. Always compare quotes to get the best protection at the lowest price.
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Best Auto Insurance Discounts for Tesla Cybertrucks
Insurance rates for the Tesla Cybertruck vary by company, and some providers have much lower prices than others. Some insurers focus on keeping base rates low, while others offer big discounts for bundling, safe driving, or customer loyalty.
You can save money on Tesla Cybertruck insurance by using discounts from top companies. Many insurers offer deals for bundling policies, driving safely, and having certain car features. These savings can help lower your monthly cost while keeping good coverage.
Tesla Cybertruck Insurance Discounts From Top Providers
| Company | Anti-Theft | Bundling | Electric Vehicle | UBI |
|---|---|---|---|---|
| 10% | 25% | 10% | 30% |
| 25% | 25% | 10% | 30% |
| 12% | 16% | 10% | 30% |
| 10% | 20% | 10% | 30% |
| 35% | 25% | 10% | 30% |
| 12% | 20% | 10% | 50% |
| 5% | 20% | 10% | 40% |
| 25% | 10% | 22% | $231/year |
| 15% | 17% | 20% | 30% |
| 15% | 13% | 10% | 30% |
Most insurance companies offer bundling discounts when you combine auto and home insurance. Some, like State Farm and Progressive, give lower rates to safe drivers, while Travelers and Liberty Mutual offer auto insurance discounts for electric vehicles and hybrid cars. Other discounts are available for students, homeowners, and drivers with a clean record.
Insurance rates for the Tesla Cybertruck vary, but using EV discounts and tweaking coverage can reduce costs while keeping key protections.Jimmy McMillan Licensed Insurance Agent
Even minor price differences can add up over time, so Cybertruck owners need to compare options. Some companies are better for drivers on a budget, while others offer savings based on driving habits. Programs that track driving behavior can help lower Tesla insurance costs for safe drivers.
How Usage-Based Insurance Can Lower Tesla Cybertruck Rates
Insurance for the Tesla Cybertruck can be expensive, but usage-based insurance is a smart way to save. This type of coverage tracks how you drive using a mobile app or a small device in your car. If you drive safely by avoiding hard braking and speeding, you can get lower rates based on your actual driving habits.
Some insurance companies offer bigger discounts for usage-based programs. If you don’t drive much, you could pay less than daily drivers. Yet, if you’re unsure of how much the Tesla Cybertruck discount is, checking different providers can help Cybertruck owners find the best deal while keeping solid coverage.
Read More: Best Auto Insurance Discounts
How to Choose the Best Policy for Tesla Cybertruck
Finding the right insurance for your Tesla Cybertruck isn’t just about price—it’s about protecting one of the most advanced and expensive electric trucks on the market. Follow these simple steps to get the coverage you need without overpaying.
- Assess Your Coverage Needs: Go beyond state minimums and consider full coverage to protect your Cybertruck’s high repair and replacement costs.
- Look for EV-Specific Protection: Prioritize policies that include coverage for OEM parts, battery systems, and EV roadside assistance.
- Include Collision, Comprehensive, and Gap Insurance: These protect your Cybertruck from accidents, theft, natural disasters, and loan balance gaps (Read more: Guaranteed Auto Protection (Gap) Insurance).
- Compare Multiple Quotes: Shop around to find the best price and coverage from top insurers like Amica, USAA, and Erie.
- Apply for Discounts: Maximize savings with bundling, safe driver, and EV safety feature discounts.
Taking the time to compare coverage options and applying these tips will help you get the best protection for your Tesla Cybertruck at a price that fits your budget.
How to Get Cheap Tesla Cybertruck Insurance
Shopping around is the best way to find cheap Tesla Cybertruck insurance. Start by comparing quotes from the top three companies — State Farm, Progressive, and Allstate have the best Cybertruck insurance rates. Read our Tesla auto insurance review to see how these providers compare to Tesla-branded insurance policies.
Standing on the sidelines ❌
Saving with Progressive ✅ pic.twitter.com/7tbCtdJsmf— Progressive (@progressive) February 15, 2025
The best option will depend on your driving record, how much coverage you need, and your budget. Choosing the right company and using discounts can help you save money while maintaining good coverage.
Save on Tesla Cybertruck insurance by comparing quotes, bundling with home or renters, and matching coverage to your driving habits.Michelle Robbins Licensed Insurance Agent
You can get more savings by keeping a clean driving record, using tracking apps, or paying your policy in full. Comparing offers from different companies helps you find the best deal.
Taking a little time to compare options can help you get affordable insurance without losing the protection you need. Stop overpaying for auto insurance. Enter your ZIP code to find out if you can get a better deal.
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Frequently Asked Questions
What is the cheapest Tesla Cybertruck insurance?
State Farm, Progressive, and Allstate offer the cheapest Tesla Cybertruck insurance, with rates starting as low as $129 per month for minimum coverage and $320 per month for full coverage. However, actual rates vary based on your location, driving history, coverage level, and Cybertruck model.
What is the cheapest Tesla Cybertruck?
The cheapest Tesla Cybertruck is the base model with rear-wheel drive, making it a budget-friendly choice. Prices may change based on demand and availability.
Read More: Compare Auto Insurance Rates by Vehicle Make and Model
What’s the most expensive Cybertruck?
That would be the Cyberbeast, starting at $99,990. It’s the most powerful model, with the fastest speed and the longest range.
What insurance discounts are available for Tesla Cybertrucks?
Many insurers offer EV discounts of 10%–22% for electric vehicles like the Cybertruck. You may also qualify for bundling discounts (up to 17%), safe driver savings (up to 40%), and usage-based insurance (UBI) discounts (up to 50%) depending on your driving habits and insurer.
Read More: Best Membership Auto Insurance Discounts
Why is auto insurance more expensive for Tesla?
Car insurance is more expensive for Tesla because of high repair costs, advanced technology, and expensive parts. Teslas also require specialized repairs, which can raise costs — some insurers factor in the price of battery replacements when determining rates. If you’re ready to find cheaper car insurance coverage, enter your ZIP code to compare free quotes.
Where is the best place to insure a Tesla Model Y?
We found that American Family, Nationwide, and Progressive have the best Tesla Model Y auto insurance, but local insurers offer better prices for Teslas than others, so it’s best to compare.
Can Cybertruck owners save with low-mileage insurance?
Yes, insurers like Allstate (Milewise) and Nationwide (SmartMiles) offer pay-per-mile plans ideal for Cybertruck owners who drive less than 12,000 miles per year, helping reduce costs.
What happens to a Tesla after 10 years?
After 10 years, a Tesla may experience battery degradation, reduced range, and possible maintenance needs. But if some of you wonder, can Tesla last 20 years? Many Teslas continue running well with proper care and battery replacements if necessary, and Tesla software updates can also help improve performance and efficiency over time.
How long do Tesla batteries last?
Depending on how you use and maintain it, a Tesla battery can last between 300,000 and 500,000 miles. If you’re curious, how much is a Tesla battery? A replacement can cost anywhere from $10,000 to $20,000. The good news is that good charging habits help it last longer, and most Tesla owners find their batteries reliable for years.
Is a Tesla expensive to maintain?
While Teslas usually cost less to maintain than gas cars since they have fewer moving parts, repairs can still be pricey, especially for the battery or bodywork.
Does Tesla need insurance?
Yes, Tesla needs insurance like any other car. Which insurance is best for Tesla? The best options are usually insurers that offer policies tailored for electric vehicles, like Tesla’s own insurance, or companies known for EV coverage, such as State Farm and Progressive. Find cheap car insurance quotes by entering your ZIP code here.
Do Cybertruck safety features lower insurance rates?
Yes, insurers often provide discounts for advanced safety features, such as Tesla’s Autopilot, collision avoidance systems, and built-in security. These features may qualify you for 10%–22% off your premium.
Read More: 10 Cheapest Auto Insurance Companies
Is full coverage necessary for Tesla Cybertrucks?
Full coverage is highly recommended for Cybertruck owners. This includes liability, collision, comprehensive, gap insurance, and OEM parts replacement to protect against expensive repairs, theft, and total loss.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.