Online Tesla Model X Insurance Rates [Comparison Guide]

Tesla Model X insurance costs $183/mo or $2,194/yr, which makes Tesla Model X insurance $56.25 more per month or $675 more per year than most other cars. Tesla Model X insurance costs for teenage drivers are $668.25/mo or $8,019/yr, while good drivers can save up to $75.42/mo or $905/yr on Tesla Model X insurance. Enter your ZIP code below to see how much you can save on your Tesla Model X auto insurance coverage.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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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 insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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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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 quite a bit more than the average vehicle with full coverage costing around $2,194 a year or $183 a month. Good drivers can save up to $905 in policy discounts by being safe and courteous while out on the roadways. Let’s take a quick 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 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

The average Tesla Model X auto insurance rates are higher for newer models. 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 Year Comprehensive Collision Liability Total
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
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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 approximately $2,683 each year for their Tesla Model X auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Tesla Model X insurance rates. For example, drivers in Houston may pay $1,617 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on your Tesla Model X auto insurance rates. 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

Poor Tesla Model X crash test ratings could mean higher Tesla Model X car 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

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

When financing a Tesla Model X, most lenders will require your carry higher Tesla Model X coverage options including comprehensive coverage, so be sure to shop around and compare Tesla Model X car insurance rates from the best companies using our FREE tool below.

Ways to Save on Tesla Model X Insurance

You have more options at your disposal to save money on your Tesla Model X auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Tesla Model X car insurance rates

  • Ask About Tesla Model X Discounts If You Were Listed on Someone Else’s Policy
  • Reduce Your Coverage on an Older Tesla Model X
  • Ask About a Student Away from Home Discount
  • Don’t Assume your Tesla Model X is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Reduce Modifications on Your Tesla Model X

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Top Tesla Model X Insurance Companies

Several insurance companies offer competitive rates for the Tesla Model X based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Tesla Model X drivers organized by market share.

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

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.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

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