Tesla Model X Insurance Cost

Full coverage for a Tesla Model X costs about $2,105 a year ($175/month) by our estimate — ▲ +32% versus the average vehicle, ranking 258th cheapest of 310 current models.

Tesla Model X exterior (photo from Wikimedia Commons) — Photo: Vauxford, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Tesla Model X insurance cost at a glance

Full coverage

$2,105

$175/mo · $1,725–$2,485

Minimum liability

$590

$49/mo

Segment

Large SUV

Electric

HLDI collision losses

218

Much worse than average (100 = avg)

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 2016–2026 model years of the Tesla Model X.

Estimated Tesla Model X premium by coverage level (national average rates)
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.	$590	$49	$485–$700
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$860	$72	$705–$1,015
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$2,105	$175	$1,725–$2,485

What drives the cost of insuring a Tesla Model X

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Tesla Model X's results put our vehicle factor at 0.96× for liability, 2.04× for collision and 1.51× for comprehensive.

HLDI relative insurance losses — Tesla Model X electric 4dr 4WD (Large Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	218	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	157	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	102	Average	Damage this car does to other vehicles and property
Bodily injury liability	86	Better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	81	Better than average	Injuries to occupants of this car (claim frequency)
Medical payments	95	Better than average	Injuries to occupants of this car (claim frequency)

Repair and parts costs: Large SUV — 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.
Recalls & complaints: 8 NHTSA recall campaigns and 47 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Tesla Model X 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
Model X	AWD	Electric	105	352 mi
Model X Plaid	AWD	Electric	100	335 mi

Tesla Model X 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	—	$2,105
2025	Electric	AWD	—	$2,045
2024	Electric	AWD	—	$1,985
2023	Electric	AWD	—	$1,930
2022	Electric	AWD	—	$1,870
2021	Electric	AWD	—	$1,810
2020	Electric	AWD	—	$1,750
2019	Electric	AWD	—	$1,695
2018	Electric	AWD	—	$1,635
2017	Electric	AWD	—	$1,575
2016	Electric	AWD	—	$1,515

Tesla Model X 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 Model X page for that state.

State	Full coverage	Minimum	vs. national	Model X page
Alabama	$1,900	$460	−10%	Model X in AL
Alaska	$1,880	$600	−11%	Model X in AK
Arizona	$2,170	$635	+3%	Model X in AZ
Arkansas	$1,955	$435	−7%	Model X in AR
California	$2,170	$550	+3%	Model X in CA
Colorado	$2,385	$630	+13%	Model X in CO
Connecticut	$2,180	$685	+4%	Model X in CT
Delaware	$2,210	$775	+5%	Model X in DE
District of Columbia	$2,710	$715	+29%	Model X in DC
Florida	$2,755	$1,040	+31%	Model X in FL
Georgia	$2,465	$840	+17%	Model X in GA
Hawaii	$1,520	$420	−28%	Model X in HI
Idaho	$1,445	$385	−31%	Model X in ID
Illinois	$1,870	$480	−11%	Model X in IL
Indiana	$1,535	$390	−27%	Model X in IN
Iowa	$1,510	$300	−28%	Model X in IA
Kansas	$1,745	$390	−17%	Model X in KS
Kentucky	$1,745	$510	−17%	Model X in KY
Louisiana	$2,860	$765	+36%	Model X in LA
Maine	$1,385	$410	−34%	Model X in ME
Maryland	$2,330	$725	+11%	Model X in MD
Massachusetts	$2,105	$570	0%	Model X in MA
Michigan	$2,345	$740	+11%	Model X in MI
Minnesota	$1,795	$455	−15%	Model X in MN
Mississippi	$2,060	$510	−2%	Model X in MS
Missouri	$1,940	$495	−8%	Model X in MO
Montana	$1,750	$380	−17%	Model X in MT
Nebraska	$1,755	$390	−17%	Model X in NE
Nevada	$2,235	$835	+6%	Model X in NV
New Hampshire	$1,550	$390	−26%	Model X in NH
New Jersey	$2,405	$900	+14%	Model X in NJ
New Mexico	$1,915	$500	−9%	Model X in NM
New York	$2,700	$895	+28%	Model X in NY
North Carolina	$1,680	$430	−20%	Model X in NC
North Dakota	$1,455	$265	−31%	Model X in ND
Ohio	$1,545	$390	−27%	Model X in OH
Oklahoma	$1,965	$455	−7%	Model X in OK
Oregon	$1,800	$605	−14%	Model X in OR
Pennsylvania	$1,915	$410	−9%	Model X in PA
Rhode Island	$2,465	$790	+17%	Model X in RI
South Carolina	$2,140	$705	+2%	Model X in SC
South Dakota	$1,720	$305	−18%	Model X in SD
Tennessee	$1,820	$435	−14%	Model X in TN
Texas	$2,535	$665	+20%	Model X in TX
Utah	$1,835	$630	−13%	Model X in UT
Vermont	$1,470	$305	−30%	Model X in VT
Virginia	$1,815	$605	−14%	Model X in VA
Washington	$1,770	$570	−16%	Model X in WA
West Virginia	$1,830	$420	−13%	Model X in WV
Wisconsin	$1,475	$360	−30%	Model X in WI
Wyoming	$1,765	$315	−16%	Model X in WY

Tesla Model X insurance by driver profile

Estimated annual Tesla Model X premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,625	$2,360	$5,785	$482
Young adult (22)	$945	$1,375	$3,365	$280
Adult in their 30s	$590	$860	$2,105	$175
Adult in their 50s	$545	$790	$1,935	$161
Senior (72)	$665	$960	$2,355	$196
30s, one at-fault accident	$860	$1,245	$3,050	$254
30s, DUI on record	$1,095	$1,585	$3,895	$325

Tesla Model X vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Tesla Model X	$2,105	218	157	—
Toyota Sequoia	$1,515	104	141	Compare
Dodge Durango	$1,770	107	142	Compare
Rivian R1S	$1,925	173	136	Compare

Estimate Tesla Model X insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Tesla models

Model 3 $1,670/yr
Model Y $1,505/yr
Cybertruck $1,600/yr
Model S $2,025/yr

All Tesla insurance costs →

Frequently asked questions

How much is insurance for a Tesla Model X?

We estimate about $2,105 a year ($175 a month) for full coverage and $590 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 32% more than the average vehicle.

Is the Tesla Model X expensive to insure?

HLDI insurance-loss data rates it at 218 for collision and 157 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Tesla Model X?

Maine has the lowest estimate (about $1,385 a year for full coverage) and Louisiana the highest (about $2,860).

Is the Tesla Model X cheaper to insure than the Toyota Sequoia?

By our estimate the Tesla Model X costs about $2,105 a year versus $1,550 for the Toyota Sequoia, making the Toyota Sequoia cheaper to insure.

How much is Tesla Model X insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,785 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.

Sources used on this page