Compare Cheap Tesla Model X Insurance Quotes

If you want to buy Tesla Model X auto insurance coverage online then a policy will cost $183 per month ($2,194 per year) on average. Comprehensive, collision, and liability insurance cost around $534, $780, and $619, respectively.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 1, 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 pricy. Tesla Model X insurance costs around $675 more per year than the average vehicle. Read on for savings advice on insurance rates for a Tesla Model X.

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 car insurance rates are $2,194 a year or $183 a month.

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

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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, car insurance rates for a 2020 Tesla Model X are $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 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 Jacksonville may pay $1,316 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 rates with violations on their driving record.

Tesla Model X Safety Ratings

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

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

Tesla Model X crash test ratings can impact the cost of your Tesla Model X car insurance. See Tesla Model X crash test results below:

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

The more safety features you have on your Tesla Model X, the more likely it is that you can earn a discount. 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

Save more on your Tesla Model X car insurance rates. Take a look at the following five strategies that will get you the best Tesla Model X auto insurance rates possible.

  • Make Sure You’re Raising a Safe Driver
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Understand that Your Insurer Can Change Your Tesla Model X Auto Insurance Rates Mid-Term for Other Reasons
  • Ask About Seasonal Insurance for Your Tesla Model X
  • Compare Insurance Companies After Moving

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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.

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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