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Cheapest Tesla Model X Car Insurance (Mar 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Tesla Model X
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Liz Jenson
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

How much does Tesla Model X car insurance cost? 

Tesla Model X drivers spend an average of $250 per month for full coverage insurance and $97 per month on state minimum car insurance. This makes the Tesla Model X about 6% more expensive to insure than other popular vehicles, like
Volkswagen
New
,
Cadillac
XT5
, and
Suzuki
Grand Vitara
Unfortunately, though, the average rate for car insurance is unlikely to reflect your actual insurance premium. Insurance rates are highly individualized, and things like your Tesla’s trim level and model year can play a big role in determining your insurance costs. The only way to accurately understand how much you’ll pay for car insurance is to
compare quotes
from different providers.

Compare the cheapest Tesla Model X car insurance quotes

While this might sound like a lot of work, there are ways to make this process easier. With
Jerry
, drivers can compare personalized quotes and find cheaper auto insurance rates for their electric car. The average Tesla Model X driver saved $2,838 per year on their car insurance thanks to Jerry.
Below, you can see real, free quotes that Model X drivers have gotten from Jerry.
DateCarInsurance companyPremium (monthly)CustomerInsurance coverage
March 16, 2024
Tesla Model XAllstate
$78
• 50,000/100,000 Liability
• Comp / Collision
March 11, 2024
Tesla Model XNationwide
$68
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 16, 2024
Even for drivers with the same vehicle model year and trim level, however, car insurance prices can vary a lot. Your insurance history, zip code, and driving record can all impact your quote as well.
That’s why it’s recommended that drivers
get car insurance quotes
from at least three insurance companies to gain a better understanding of the rate for their Tesla Model X.

The best car insurance companies for Tesla Model X owners

No one car insurance company will have the best rates for every Tesla Model X owner. Every car insurance company uses a different formula to
calculate your premiums
, meaning that your car insurance rates are highly personalized.
To help drivers find the right provider for them, Jerry conducted one of the largest surveys in the nation to get real customer data on different car insurance companies. While providers like
Nationwide
,
Progressive
, and
State Farm
received high customer service scores, other insurers, including
Allstate
, achieved excellent overall ratings.
Check out the table below to see how real Tesla owners rated different insurance companies on a 5.0 scale.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much car insurance do you need for a Tesla Model X?

When shopping for car insurance, there are two main types of policies offered:
CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Tesla Model X
$250
$97
The amount of coverage you purchase for your Tesla Model X is entirely up to you. Legally, you’ll need to purchase at least the state minimum coverage. 
However, it’s important to note that a minimum coverage policy will only cover expenses for third parties—and if your state’s limits are relatively low, they can max out quickly, leaving you financially vulnerable. As such, most drivers will benefit from a full coverage car insurance policy with higher liability limits of either 50/100/50 or 100/300/100.
Additionally, drivers should consider add-on coverage options, such as
roadside assistance
,
gap insurance
, or
rental reimbursement
for further protection.
It can be helpful to know the average prices for auto insurance, but getting personalized quotes is
the best way to shop for insurance
. That’s why Jerry works hard to find you the best coverage at the best rate— all in a matter of seconds.

Why are some trims more expensive to insure than others?

Vehicles with premium trim levels tend to have higher repair and replacement costs, meaning that they pose a higher risk to insurance companies. As a result, higher trim levels often translate to higher insurance rates.
To see
the average cost of car insurance
for popular Tesla Model X trims, take a look at the following table.
CarMonthly minimum coverage costMonthly full coverage cost
Model X Tesla
$97
$250
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Tesla Model X insurance cost by model year

New cars are more expensive to insure due to updated technology and higher repair costs. The more recently your electric vehicle was manufactured, the more you’ll pay for your insurance—but that’s not always the case with the Tesla Model X.
Check out the information below to see real quotes for various model years of the Tesla Model X gathered by Jerry.
Model year
Monthly minimum coverage cost
Monthly full coverage cost
2023 Tesla Model X
$105
$510
2022 Tesla Model X
$102
$347
2021 Tesla Model X
$127
$385
2020 Tesla Model X
$143
$470
2019 Tesla Model X
$84
$323
2018 Tesla Model X
$142
$401
2017 Tesla Model X
$176
$353
2016 Tesla Model X
$142
$376

Are Tesla Model Xs expensive to insure? 

On average, drivers pay approximately $97 per month for the state minimum, and $250 per month for a full coverage policy. The Tesla Model X costs about 6% more to insure compared to other models in a similar price range.
CarMonthly minimum coverage costMonthly full coverage cost
Tesla Model X
$97
$250
Lincoln Aviator
$95
$166
Audi A5
$104
$214
Jaguar S-Type
$124
$219
BMW 535
$103
$224

What other factors affect Tesla Model X insurance rates?

There are a lot of things that can impact your Tesla car insurance rates, including:
  • Your age: Due to their limited driving experience, drivers under 25 typically see higher insurance rates. Drivers over 60 may also see increased insurance rates due to a higher risk level.
  • The type of vehicle you drive: Luxury, high-performance, and sports cars often have higher rates for collision and comprehensive coverage. Vehicles with higher safety scores and stronger safety features often pay less for coverage.
  • Your driving history and claims history: If you have a history of accidents or tickets, you’ll likely pay a higher insurance premium.
  • Your credit score: Not all states allow credit to be used as a determining factor. However, in states that do allow it, drivers with good credit (700+) often see the cheapest rates.

Tesla Model X insurance cost for young drivers

Drivers ages 16 to 19 face the highest insurance prices out of any age group. Insurance companies view
teen drivers
as a higher risk since they are more likely to get into accidents. For the same reason, teen car owners driving a newer car will get a lot more financial protection with a full coverage insurance policy.
Take a look at some of the real rates teens with a Tesla vehicle received using Jerry.
card cover
Nathan (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$66
per month
card cover
Lura (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$64
per month

Tesla Model X insurance cost for senior drivers

Car insurance rates for seniors
in their 60s and beyond tend to be higher due to age-related impairments, such as vision and hearing loss, and other risks.
Statistically, older drivers are more likely to be involved in a car accident. Additionally, older adults are more vulnerable to serious injuries in the event of an accident, which can lead to higher medical expenses for insurance providers.
However, senior motorists can still find cheap coverage for their Tesla Model X with Jerry.
card cover
Isaac (74 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$60
per month
card cover
Ethan (72 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$64
per month

Tesla Model X insurance cost for drivers with driving violations 

No matter your age, your driving record can have an impact on your car insurance, too. You might see some of the cheapest insurance rates if you have a
clean driving record
, but you could also be charged a higher cost if you have a history of violations.
Some traffic violations that can lead to a higher insurance rate include:

Cheapest car insurance for Tesla Model X drivers with speeding ticket

If you’ve gotten a speeding ticket, the degree of speeding will impact your rates. Speeding 1-5 MPH over the limit, for example, won’t raise your rates as much as speeding 21 MPH over the limit.
For help finding the best Tesla Model X insurance rates after a speeding ticket, check out Jerry. Check out the table below to see how we’ve helped other drivers.
Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Tesla Model XAllstate
$78
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
Tesla Model XNationwide
$68
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 19, 2024

Cheapest car insurance for Tesla Model X drivers with a DUI record

For drivers with a DUI on their record, insurance rates might be very different from one provider to the next, with most drivers often paying higher than the national average.
Drivers with a DUI might need to compare rates from a lot of different insurance companies to find the best rates. Fortunately, Jerry has helped several Tesla Model X drivers find affordable car insurance after a DUI.
card cover
Bradley (39 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$67
per month
card cover
Callie (33 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
$85
per month

Cheapest car insurance for Tesla Model X drivers after an accident

Your accident and claims history is one of the most important factors in determining your car insurance rates.
If you were in an at-fault accident recently, your rates could increase dramatically. After an accident, it can be helpful to shop for a new provider with Jerry. Check out how we’ve helped other Tesla Model X drivers after accidents.
Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Tesla Model XAllstate
$54
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Tesla Model XAAA
$64
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 19, 2024

Cheapest car insurance for Tesla Model X drivers with other driving violations on their record

DUIs and speeding tickets aren’t the only types of violations that can impact your insurance rates. Reckless driving, for example, can also cause your insurance to become more expensive.
The list below shows how Jerry helped Tesla Model X drivers with various other traffic violations save on their insurance.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Tesla Model XProgressive
$63
• 50,000/100,000 Liability
• Comp / Collision
Defective Equipment
Tesla Model XSafeco
$70
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 16, 2024

How can I lower the cost of insurance for my car?

You can lower the cost of your car insurance in a few different ways:
  • Shop around: The best way to find the most affordable insurance for you is to shop around for coverage. Jerry collects quotes from over 55 top insurance companies for you, making the shopping process simple and fast. If you find a better rate with Jerry, we can even help you cancel your old policy and sign up for your new one!
  • Increase your deductible: The amount of money you pay out of pocket before your insurance kicks in is called your
    car insurance deductible
    . If you raise your deductible, your monthly insurance rates will decrease. Just make sure that you’re still able to afford your deductible in the event of a crash!
  • Research insurance discounts: While they won’t always be advertised, you can find
    car insurance discounts
    at most insurance companies for building safe driving habits or paying in full. To learn more about your discount options and selection, check with your provider to see what’s available.
  • Bundle your policies: You can sometimes lower your bill significantly by
    bundling your homeowners and auto insurance

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Liz Jenson
Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.
Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.