8:00 - 17:00
Opening Hour: Mon - Fri
Key takeaways:
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.
Table of Contents
The average Tesla Model X auto insurance rates are $2,194 a year or $183 a month.
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.
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.
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 |
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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
Tesla Model X safety features can lower the cost of your insurance. The safety features for the 2020 Tesla Model X include:
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.
Drivers can end up saving more money on their Tesla Model X auto insurance rates by employing any one of the following strategies.
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 | |||
Start comparing Tesla Model X auto insurance quotes for free by using our FREE online comparison tool.
Vehicles