Tesla Cybertruck Insurance Cost
Full coverage for a Tesla Cybertruck costs about $1,600 a year ($133/month) by our estimate — ▲ +1% versus the average vehicle, ranking 139th cheapest of 310 current models.
Tesla Cybertruck insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2025–2026 model years of the Tesla Cybertruck.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $595 | $50 | $490–$705 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $865 | $72 | $710–$1,020 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,600 | $133 | $1,310–$1,890 |
What drives the cost of insuring a Tesla Cybertruck
HLDI does not publish loss results for the Tesla Cybertruck, so our estimate uses the typical losses of its segment (Pickup truck): 0.97× average for liability, 1.10× for collision and 1.10× for comprehensive.
- Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
- Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
- Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
- Recalls & complaints: 3 NHTSA recall campaigns and 32 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Tesla Cybertruck trims and configurations (2026)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPGe (comb.) | Range |
|---|---|---|---|---|
| Cybertruck AWD | AWD | Electric | 79 | 325 mi |
| Cybertruck Dual Motor AWD | AWD | Electric | 78 | 325 mi |
| Cybertruck Long Range (20in Cyber wheels) | RWD | Electric | 78 | 335 mi |
Tesla Cybertruck insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPGe | Est. full / yr |
|---|---|---|---|---|
| 2026 | Electric | AWD, RWD | — | $1,600 |
| 2025 | Electric | AWD, RWD | — | $1,565 |
Tesla Cybertruck insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Cybertruck page for that state.
Tesla Cybertruck insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,640 | $2,375 | $4,400 | $367 |
| Young adult (22) | $955 | $1,380 | $2,560 | $213 |
| Adult in their 30s | $595 | $865 | $1,600 | $133 |
| Adult in their 50s | $550 | $795 | $1,470 | $123 |
| Senior (72) | $665 | $965 | $1,790 | $149 |
| 30s, one at-fault accident | $865 | $1,250 | $2,320 | $193 |
| 30s, DUI on record | $1,100 | $1,595 | $2,960 | $247 |
Tesla Cybertruck vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Tesla Cybertruck | $1,600 | — | — | — |
| Toyota Tacoma | $1,375 | 87 | 86 | Compare |
| Ford F-150 | $1,580 | 92 | 84 | Compare |
| GMC Sierra 1500 | $1,605 | 87 | 121 | Compare |
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Frequently asked questions
How much is insurance for a Tesla Cybertruck?
We estimate about $1,600 a year ($133 a month) for full coverage and $595 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 1% more than the average vehicle.
Which state is cheapest to insure a Tesla Cybertruck?
Maine has the lowest estimate (about $1,025 a year for full coverage) and Florida the highest (about $2,250).
What is the Tesla Cybertruck's NHTSA safety rating?
The 2026 Tesla Cybertruck earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Tesla Cybertruck cheaper to insure than the Toyota Tacoma?
By our estimate the Tesla Cybertruck costs about $1,600 a year versus $1,400 for the Toyota Tacoma, making the Toyota Tacoma cheaper to insure.
How much is Tesla Cybertruck insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,400 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.