Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

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 nearly $200 per month. The liability-only coverage for Tesla Model X is $73 per month. You can spend up to $675 more per year for Tesla Model X insurance rates. Continue reading this guide to learn how you slash those Tesla Model X insurance rates.

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

Tesla Model X Insurance Cost

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

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Are Tesla Model Xs Expensive to Insure?

The chart below details how Tesla Model X insurance rates compare to other electric luxury SUVs like.

However, there are a few things you can do to find the cheapest Tesla Model X insurance rates online.

What Impacts the Cost of Tesla Model X Insurance?

Even though the average annual rate for the Tesla Model X is $2,194, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Tesla Model X.

Age of the Vehicle

The average Tesla Model X auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Tesla Model X cost $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
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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 as much as $2,780 more each year for their Tesla Model X auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Tesla Model X insurance rates. For example, drivers in Los Angeles may pay $1,887 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 with violations on their driving record.

Tesla Model X Safety Ratings

Your Tesla Model X auto insurance rates are influenced by the Tesla Model X’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/A
Small overlap front: passenger-side N/A
Moderate overlap front N/A
Side N/A
Roof strength N/A
Head restraints and seats N/A
Source: Insurance Institute for Highway Safety
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Tesla Model X Crash Test Ratings

Poor Tesla Model X crash test ratings could mean higher Tesla Model X auto insurance rates.

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
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Tesla Model X Safety Features

Tesla Model X safety features can lower the cost of your insurance. The safety features for the 2020 Tesla Model X 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 auto insurance at the dealership, so be sure to shop around and compare Tesla Model X auto insurance quotes from the best companies using our FREE tool below.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Ways to Save on Tesla Model X Insurance

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

  • Be Picky About Who Drives Your Tesla Model X
  • Take Public Transit Instead of Driving Your Tesla Model X
  • Use an Accurate Job Title When Requesting Tesla Model X Auto Insurance Rates
  • Compare Tesla Model X Insurance Rates for Free Online
  • Get Cheaper Tesla Model X Insurance Rates as a Full-Time Parent

Top Tesla Model X Insurance Companies

Who is the top 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
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Compare Free Tesla Model X Insurance Quotes Online

Start comparing Tesla Model X auto insurance quotes for free by using our FREE online comparison tool.