Best Tesla Cybertruck Auto Insurance in 2025 (Top 10 Company Ranking)
Amica, USAA, and Erie offer the best Tesla Cybertruck auto insurance, starting at $200 a month. Amica provides flexible coverage for the Cybertruck’s advanced features. Erie stands out for handling expensive EV claims, while USAA offers low rates to cover high repair and replacement costs.
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Brandon Frady
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Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: May 6, 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 6, 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 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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6,589 reviewsCompany Facts
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1,883 reviewsAmica, USAA, and Erie have the best Tesla Cybertruck auto insurance. Amica is the top pick overall for its customer service, high satisfaction ratings, and easy policy customization.
Our Top 10 Company Picks: Best Tesla Cybertruck Auto Insurance
| Company | Rank | A.M. Best | Safety Features | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | A+ | 10% | Customer Service | Amica |
 | #2 | A++ | 15% | Military Savings | USAA |
 | #3 | A+ | 10% | Filing Claims | Erie |
 | #4 | A | 15% | Policy Add-Ons | Safeco |
 | #5 | A++ | 13% | Safe Drivers | Travelers |
 | #6 | A | 18% | Young DrIvers | American Famlily |
 | #7 | A+ | 18% | Accident Forgiveness | Nationwide |
 | #8 | A++ | 20% | Roadside Assistance | State Farm |
 | #9 | A | 15% | Customizable Coverage | Farmers |
 | #10 | A+ | 10% | Senior DrIvers | The Hartford |
USAA stands out for military families, offering exclusive discounts and flexible payment options. Erie earns high marks for claims satisfaction, thanks to its fast response times and local agent support.
These top ten providers strike a balance between affordability, service, and features that Cybertruck owners need most. Learn more about Tesla Motors to get the right Cybertruck insurance policy.
- Cybertruck insurance is pricey, but discounts like safe driving can cut costs
- The best Tesla Cybertruck car insurance rates start at $200 per month
- Amica is ideal for Cybertruck drivers needing support and flexible EV coverage
Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code to find the most affordable quotes in your area.
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#1 – Amica: Top Overall Pick
Pros
- Exceptional Customer Support: Amica is known for its award-winning customer service, offering 24/7 live support and personalized policy guidance tailored to Tesla Cybertruck owners.
- Competitive Monthly Rates: Amica’s minimum and full coverage rates remain competitive for Tesla Cybertruck drivers seeking value and protection.
- High Bundling Discounts: Tesla Cybertruck owners can save up to 30% by bundling home, renters, or life insurance with their auto policy. Get full details in our Amica car insurance review.
Cons
- Limited Availability: Amica auto insurance for Cybertrucks may not be available in all states, limiting access for some drivers.
- Fewer Digital Tools: Compared to larger insurers, Amica offers fewer app-based features or telematics programs for Cybertruck drivers who prefer tech-integrated policies.
#2 – USAA: Best for Military Savings
Pros
- Exclusive Military Discounts: USAA offers unmatched Tesla Cybertruck auto insurance savings for active-duty military, veterans, and their families, with discounts of up to 15%.
- Lowest Starting Rate: USAA is the cheapest option for Tesla Cybertruck owners eligible for membership (Read More: USAA Insurance Review).
- Strong Financial Ratings: Tesla Cybertruck drivers benefit from USAA’s A++ A.M. Best rating, ensuring long-term policy reliability and claim-paying ability.
Cons
- Membership Restrictions: Only military members and their families can buy Cybertruck insurance from USAA.
- Limited Physical Locations: While digital services are strong, Cybertruck owners who prefer in-person support may find fewer USAA branches.
#3 – Erie: Best for Filing Claims
Pros
- Excellent Claims Experience: Erie leads in fast and transparent Tesla insurance claims processing (Read More: How to File an Auto Insurance Claim).
- Rate Lock Option: Erie offers a Rate Lock feature that prevents premium hikes even after a claim, helping Cybertruck owners maintain predictable costs.
- Affordable Coverage: Erie’s minimum coverage for the Tesla Cybertruck starts at $260 a month, with generous bundling and good driver discounts.
Cons
- Regional Availability: Erie’s Tesla Cybertruck insurance is only available in select states, limiting access nationwide.
- Fewer Digital Tools: Erie offers limited mobile functionality for tech-savvy Cybertruck owners seeking app-based policy management.
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#4 – Safeco: Best for Policy Add-Ons
Pros
- Customized Policy Add-Ons: Cybertruck drivers can add features like new car replacement, gap coverage, and accident forgiveness to better protect their vehicle.
- Bundling Savings: Safeco offers Tesla Cybertruck owners bundling discounts of up to 15%, helping reduce overall insurance costs when combining home, renters, or umbrella policies.
- Strong Agent Network: Our Safeco insurance review discusses policyholder access to a wide network of independent agents for personalized Cybertruck insurance service.
Cons
- Higher Starting Rate: Safeco’s minimum coverage for the Tesla Cybertruck starts at $265 per month, slightly higher than competitors like USAA or Erie.
- Mixed Customer Reviews: Some Tesla Cybertruck drivers report inconsistent experiences with customer service and claims responsiveness.
#5 – Travelers: Best for Safe Drivers
Pros
- Ideal for Safe Drivers: Tesla Cybertruck drivers with clean records earn substantial savings and safe driver discounts (Read More: Travelers vs. Progressive Auto Insurance).
- Solid Pricing: With minimum coverage rates starting at $235 per month, Travelers offers affordable options for Cybertruck owners with clean driving records.
- Extensive Coverage Options: Tesla Cybertruck owners can access unique add-ons like accident forgiveness and new car replacement for enhanced protection.
Cons
- Telematics Limitations: Travelers’ IntelliDrive program may penalize Cybertruck drivers for sudden braking or high mileage, even if otherwise safe.
- Less Competitive Bundling: Bundling discounts for Tesla Cybertruck insurance are capped at 13%, lower than other top-ranked providers.
#6 – American Family: Best for Young Drivers
Pros
- Youth-Focused Discounts: American Family offers Tesla Cybertruck insurance discounts tailored to young drivers, including a good student discount up to 20% and safe driving programs.
- Affordable Rates: Minimum coverage starts at $255 a month for the Cybertruck, making it a competitive option for younger or first-time Tesla owners.
- Customizable Coverage Options: Cybertruck drivers can personalize their policy with coverage, like accident forgiveness, roadside assistance, and diminishing deductibles.
Cons
- Limited Availability: AmFam Tesla Cybertruck insurance is not offered in all states, which may restrict some drivers (Read More: How to Cancel American Family Auto Insurance).
- App Performance Issues: While digital tools are available, the mobile app receives mixed reviews from Cybertruck drivers regarding usability and claims tracking.
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#7 – Nationwide: Best for Accident Forgiveness
Pros
- Strong Forgiveness Policy: Nationwide’s accident forgiveness helps Tesla Cybertruck drivers avoid premium increases after their first at-fault accident.
- Solid Value: With Cybertruck minimum coverage rates starting at $230 a month, Nationwide delivers affordable pricing alongside extensive features.
- SmartRide Program: Cybertruck owners can earn significant discounts through usage-based insurance by demonstrating safe driving habits. Learn how in our Nationwide SmartRide review.
Cons
- Coverage Varies by State: Tesla Cybertruck insurance options and discounts may differ depending on location, creating inconsistency in policy availability.
- Strict Telematics Criteria: Drivers must maintain consistently safe behavior to maximize SmartRide savings, which may not suit all Cybertruck owners.
#8 – State Farm: Best for Roadside Assistance
Pros
- Reliable Roadside Coverage: Explore its robust roadside assistance, including towing, battery jump-starts, and lockout services, for Tesla Cybertrucks in our State Farm insurance review.
- Low Rates: Minimum coverage for the Tesla Cybertruck starts at $215 a month, making State Farm one of the most cost-effective options for basic coverage.
- Widespread Availability: Cybertruck owners benefit from State Farm’s national reach and strong network of agents for in-person service and claims support.
Cons
- Lower Discount Potential: State Farm’s bundling and loyalty discounts are less generous for Tesla Cybertruck insurance compared to companies like Amica or USAA.
- Limited Customization: Some Cybertruck drivers may find fewer optional coverages compared to more customizable insurers like Farmers.
#9 – Farmers: Best for Customizable Coverage
Pros
- Flexible Policy Options: Farmers gives Tesla Cybertruck owners control over their coverage, with options like loss of use, glass repair, and OEM parts replacement.
- Competitive Rates: Farmers starts Tesla Cybertruck minimum coverage at $250 a month and offers strong discounts for bundling and safe driving.
- Strong Agent Support: Cybertruck drivers receive detailed guidance through a large national network of local Farmers agents (Learn More: Do you need auto insurance before you buy your car?).
Cons
- Rate Increases Over Time: Farmers rates for Tesla Cybertruck drivers may rise at renewal more often than other top insurers, especially after claims.
- Mobile App Limitations: Farmers’ digital platform lacks some advanced features like real-time roadside tracking or full-service claims tools.
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#10 – The Hartford: Best for Senior Drivers
Pros
- AARP-Backed Policies: The Hartford partners with AARP to offer Tesla Cybertruck insurance with benefits tailored to senior drivers, including lifetime renewability.
- Personalized Service: Cybertruck owners appreciate Hartford’s responsive claims process and dedicated support for policy adjustments (Read more: The Hartford Auto Insurance Review).
- Coverage Enhancements: Tesla Cybertruck policies include features like new car replacement and disappearing deductibles with qualifying coverage.
Cons
- Higher Rates: Minimum coverage for Tesla Cybertruck starts at $275 a month, making The Hartford one of the more expensive options.
- AARP Membership Required: Some benefits are only available to AARP members, limiting access for non-senior Cybertruck drivers.
Comparing Tesla Cybertruck Insurance Rates
Tesla Cybertruck auto insurance averages $275 a month, making it one of the most expensive Tesla models to insure. The most affordable insurance provider for the Cybertruck is USAA, with minimum coverage starting at just $200 monthly.
Tesla Cybertruck Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $255 | $400 |
| $270 | $420 |
| $260 | $410 |
| $250 | $430 |
| $230 | $400 |
| $265 | $415 |
| $215 | $390 |
| $275 | $440 |
| $235 | $410 |
| $200 | $380 |
USAA is only available to military-affiliated drivers, but State Farm follows closely at $215 per month, offering reliable roadside assistance and strong national coverage. Travelers also delivers solid value at $235 per month, especially for low-risk drivers.
Running costs of Cybertruck are much lower than that of gas-powered pickup trucks https://t.co/ssA9pTurZU
— Tesla (@Tesla) March 10, 2025
When compared to other models, Tesla Model 3 insurance is the cheapest at an average of $170 a month, thanks to its compact size and lower repair costs.
Tesla Cybertruck Auto Insurance Rates vs. Other Tesla Models
| Tesla Model | Monthly Rate |
|---|---|
| Cybertruck | $275 |
| Model S | $240 |
| Model X | $260 |
| Model 3 | $170 |
| Model Y | $180 |
| Roadster (2025 est.) | $450 |
The Tesla Roadster, with an estimated monthly rate of $450, is projected to be the most expensive model to insure. The Cybertruck sits near the high end of Tesla insurance pricing due to its size, electric powertrain, and advanced safety technology.
Read More: Buy Cheap Tesla Model Y Auto Insurance
Auto Insurance Coverage Options For a Tesla Cybertruck
When you buy Tesla Cybertruck insurance, it’s important to consider more than just the basic minimum coverage. Minimum coverage meets state laws, but it usually only includes injury and property damage to others. Because the Cybertruck is a high-value, advanced vehicle, most owners go with full coverage to protect their Tesla when they’re at fault in an accident.
This includes collision coverage, which pays for damage from accidents, and comprehensive coverage, which protects against things like theft, vandalism, and natural disasters. Not having enough of the right coverage is a major Cybertruck insurance issue drivers experience (Read More: Buying Collision vs. Comprehensive Coverage).
Insurance companies also offer extra coverage options that can really help Cybertruck owners. One example is gap insurance, which pays the difference between what you owe on your loan or lease and what your Cybertruck is worth if it’s totaled. Other helpful add-ons include coverage for original Tesla parts, roadside help, and rental car coverage while your truck is being repaired.
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Tesla Cybertruck Insurance Discounts
If you drive a Tesla Cybertruck, there are several straightforward ways to save money on car insurance. Amica, the top-rated company overall, offers some of the biggest savings: 30% off for bundling your auto policy with home or renters insurance, 25% for safe driving, and 20% for being a good student.
Tesla Cybertruck Auto Insurance Discounts From Top Providers
| Insurance Company | Anti-Theft | Auto-Pay | Good Driver | Good Student | Safety Features |
|---|---|---|---|---|---|
| 25% | 4% | 25.00% | 20% | 18% |
| 18% | 5% | 25.00% | 20% | 10% |
| 15% | 5% | 23.00% | 15% | 10% |
| 10% | 5% | 30.00% | 15% | 15% |
| 5% | 10% | 40.00% | 18% | 18% |
| 20% | 10% | 20.00% | 20% | 15% |
| 15% | 13% | 25.00% | 35% | 20% |
| 10% | 3% | 15.00% | 12% | 10% |
| 15% | 10% | 10.00% | 8% | 13% |
| 15% | 6% | 15.00% | 30% | 15% |
| 15% | 6% | 15.00% | 30% | 15% |
State Farm is another strong choice, especially for young drivers, with a 35% discount for good students, plus 25% savings for driving safely. USAA has much smaller discounts, but it offers the cheapest rates overall, remaining competitive for young drivers with a competitive 30% student discount.
Erie and American Family both offer up to 25% off for bundling, plus smaller auto insurance discounts for students and drivers with clean records. You can even save by using auto-pay or having anti-theft devices in your Cybertruck.
Finding The Right Tesla Cybertruck Insurance Company
Amica, USAA, and Erie have the best Tesla Cybertruck auto insurance, with USAA having the lowest monthly rates starting at $200. All three top companies are recognized for their high customer satisfaction ratings and excellent claims service (Read More: Best Auto Insurance Companies).
If you need Cybertruck insurance, ensure you have the right coverage in place to cover the cost of expensive battery repairs and replacements. Full coverage does have higher rates, but you can use discounts and save through good driving habits.
Always compare quotes and stack discounts, like bundling, safe driver, and anti-theft, to get the best Tesla Cybertruck insurance rates.
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Comparing quotes online is the easiest way to find affordable car insurance. Find the best Cybertruck auto insurance company near you by entering your ZIP code into our free quote tool.
Frequently Asked Questions
Which insurance companies offer the best Tesla Cybertruck coverage?
Amica, USAA, and Erie rank highest for Cybertruck insurance thanks to strong customer service, affordable rates, and coverage designed for electric trucks.
What is the most expensive Tesla to insure?
The Tesla Roadster is the most expensive Tesla to insure, with estimated monthly premiums around $450, due to its high value and performance specs (Read More: 10 Most Popular Electric Vehicles).
Why is Tesla Cybertruck insurance so expensive?
Cybertruck insurance costs more due to its high repair bills, aluminum body, advanced sensors, and expensive battery systems—all of which drive up claim costs.
How can I lower Tesla Cybertruck insurance rates?
You can reduce Cybertruck premiums by comparing quotes, bundling policies, maintaining a clean driving record, and installing anti-theft or safety tech to qualify for discounts.
Do Teslas have their own insurance?
Yes, Tesla offers its own insurance in select states, using real-time driving data to set rates and offering coverage designed specifically for Tesla vehicles.
Read More: Buy Cheap Tesla Model S Auto Insurance
Which car has the highest insurance?
High-performance and luxury cars like the Tesla Roadster, Lamborghini Aventador, and Porsche 911 usually carry the highest insurance costs due to their price and repair costs.
Does full coverage make sense for Tesla Cybertruck insurance?
Yes. Because the Cybertruck is a high-value electric truck, full coverage (including collision and comprehensive) is recommended to protect against both accident damage and non-collision risks like theft or weather.
How much is a new Tesla battery?
A new Tesla battery can cost between $10,000 and $20,000, depending on the model, size, and whether it’s covered under warranty. How long do Tesla batteries last? Tesla batteries typically last 300,000 to 500,000 miles, or about 15 to 20 years, depending on usage and charging habits.
Read More: Does auto insurance cover a dead battery?
What discounts are available for Cybertruck auto insurance?
Common discounts include safe driving, bundling auto with home/renters, installing anti-theft devices, and using the Cybertruck’s advanced safety features.
Why are Teslas so expensive?
Teslas are expensive because they use advanced battery systems, high-end materials, cutting-edge software, and self-driving technology, all of which add to their production cost.
Read more: Buy Cheap Tesla Model X Auto Insurance
How does Cybertruck insurance compare to other Tesla models?
The Cybertruck is one of the most expensive Teslas to insure, second only to the Roadster. The Tesla Model 3 is the cheapest, averaging $170 a month.
What maintenance do Teslas need?
Teslas need tire rotations, cabin air filter changes, brake fluid checks, and software updates. They don’t require oil changes or emissions-related maintenance.
Can I get usage-based insurance (UBI) for my Cybertruck?
Some insurers, like USAA and Progressive, offer UBI programs that may work well with Tesla’s built-in telematics. These programs reward safe, low-mileage driving with discounts.
Why are Teslas in such a high insurance group?
Teslas are often placed in higher insurance groups because of their expensive components, specialized repair needs, and advanced driver-assistance features.
Read More: Average Auto Insurance Rates by Car
How long do Tesla motors last?
Tesla electric motors are built to last up to 1 million miles, significantly outlasting most gas engines and requiring less frequent servicing. Get the best auto insurance rates possible by entering your ZIP code into our free comparison tool today.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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.