How Much are Tesla Model X Insurance Rates?

Average Tesla Model X insurance rates cost $2,194 a year, or around $183 a month. On average, Tesla Model X comprehensive insurance coverage costs $534, collision coverage costs $780, and liability coverage costs $619.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Reviewed byJoel Ohman
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UPDATED: Jul 17, 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 average $2,194 a year or $183 a month for full coverage. Good drivers can save up to $905 a year by practicing safe driving habits. 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 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, 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 YearComprehensiveCollisionLiabilityTotal
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 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 New York may pay $571 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of Tesla Model X car 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 TestedOverallFrontalSideRollover
2020 Tesla Model X (All Variants 7psgr) SUV AWD5 stars5 stars5 stars5 stars
2020 Tesla Model X (All Variants 6-Seat) SUV AWD5 stars5 stars5 stars5 stars
2020 Tesla Model X (All Variants 5-Seat) SUV AWD5 stars5 stars5 stars5 stars
2019 Tesla Model X P90D SUV AWD5 stars5 stars5 stars5 stars
2019 Tesla Model X P100D SUV AWD5 stars5 stars5 stars5 stars
2019 Tesla Model X 90D SUV AWD5 stars5 stars5 stars5 stars
2019 Tesla Model X 75D SUV AWD5 stars5 stars5 stars5 stars
2019 Tesla Model X 60D SUV AWD5 stars5 stars5 stars5 stars
2018 Tesla Model X P90D SUV AWD5 stars5 stars5 stars5 stars
2018 Tesla Model X P100D SUV AWD5 stars5 stars5 stars5 stars
2018 Tesla Model X 90D SUV AWD5 stars5 stars5 stars5 stars
2018 Tesla Model X 75D SUV AWD5 stars5 stars5 stars5 stars
2018 Tesla Model X 60D SUV AWD5 stars5 stars5 stars5 stars
2017 Tesla Model X P90D SUV AWD5 stars5 stars5 stars5 stars
2017 Tesla Model X P100D SUV AWD5 stars5 stars5 stars5 stars
2017 Tesla Model X 90D SUV AWD5 stars5 stars5 stars5 stars
2017 Tesla Model X 75D SUV AWD5 stars5 stars5 stars5 stars
2017 Tesla Model X 60D SUV AWD5 stars5 stars5 stars5 stars
2016 Tesla Model X P90D SUV AWD Later ReleaseN/RN/RN/RN/R
2016 Tesla Model X P90D SUV AWD Early ReleaseN/RN/RN/RN/R
2016 Tesla Model X P100D SUV AWD Later ReleaseN/RN/RN/RN/R
2016 Tesla Model X P100D SUV AWD Early ReleaseN/RN/RN/RN/R
2016 Tesla Model X 90D SUV AWD Later ReleaseN/RN/RN/RN/R
2016 Tesla Model X 90D SUV AWD Early ReleaseN/RN/RN/RN/R
2016 Tesla Model X 75D SUV AWD Later ReleaseN/RN/RN/RN/R
2016 Tesla Model X 75D SUV AWD Early ReleaseN/RN/RN/RN/R
2016 Tesla Model X 60D SUV AWD Later ReleaseN/RN/RN/RN/R
2016 Tesla Model X 60D SUV AWD Early ReleaseN/RN/RN/RN/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Tesla Model X Safety Features

Most drivers don’t realize that not only do Tesla Model X safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Tesla Model X auto insurance rates. 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

If you want to reduce the cost of your Tesla Model X insurance rates, follow these tips below:

  • Remove Young Drivers from Your Tesla Model X Insurance Plan
  • Don’t Skimp On Tesla Model X Liability Coverage
  • Move to an Area with a Lower Cost of Living
  • Tell Your Insurer About Different Drivers or Uses for Your Tesla Model X
  • Consider Renting a Car Instead of Buying a Second Tesla Model X

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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.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

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