Tesla Cybertruck Car Insurance Quotes (2025)
Tesla Cybertruck’s average full-coverage car insurance rate is similar to that of other Tesla electric vehicles.
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Tesla delivered its first Cybertruck in late 2023. Since then, the distinctive-looking Cybertruck has become one of the most popular electric vehicles (EVs) on the market. In 2024, Tesla sold nearly 39,000 Cybertrucks, making it the bestselling electric pickup truck in the U.S.
If you’re considering buying a Cybertruck, it’s important to factor in insurance costs. The average monthly premium for Tesla Cybertruck insurance is $283 for full coverage. At $3,392 per year, Cybertruck insurance rates are comparable to those of other Tesla electric vehicles.
Comparing car insurance quotes can help you find the coverage you need for your Cybertruck at the best price available to you.
Cost of Tesla Cybertruck insurance by model year
The average monthly cost to insure a 2025 Tesla Cybertruck is $283 for full coverage. Cybertruck insurance premiums depend on the model year, insurer, coverage selected, and your driver profile.
The manufacturer’s suggested retail price (MSRP) of the 2025 Tesla Cybertruck is $72,235. After factoring in the $7,500 federal EV tax credit, the price drops to $64,735. Generally, car insurance costs more for newer model year vehicles.
The starting MSRP of the 2024 Tesla Cybertruck is $63,235, according to Kelley Blue Book (KBB). Average monthly quotes for the 2024 Tesla Cybertruck aren’t included due to insufficient data.
The MSRP of the 2023 Tesla Cybertruck — the first model sold — is $60,990. Average monthly quotes for the 2023 Tesla Cybertruck aren’t included due to a lack of data.
How Tesla insurance works
Tesla owners can purchase car insurance directly through the manufacturer. Tesla Insurance is available for the Cybertruck and other Tesla models, like the Model Y and Model S.
Leveraging technology in Tesla vehicles to track real-time driving habits, Tesla Insurance uses a Safety Score to calculate your monthly premium.
Your Safety Score takes into account several factors, including:
Hard braking
Aggressive turning
Unsafe following
Late-night driving
Excessive speeding
Seat-belt usage
Forced autopilot disengagement
When you initially enroll in Tesla Insurance, you’re automatically assigned a Safety Score of 90. Your insurance premium can increase or decrease based on changes in your Safety Score and the number of miles you drive.
Tesla Insurance provides standard coverages, like state-minimum liability insurance, collision insurance, comprehensive insurance, and uninsured/underinsured motorist insurance. Gap insurance is available as an add-on in some states. Tesla also offers a few discounts, which vary depending on where you live.
Using the mobile app, Tesla owners can get a Tesla Insurance quote. Although Tesla Insurance isn’t currently available in California, the company offers California Tesla drivers an alternative insurance option that doesn’t track driving behaviors.
How to ensure you have enough coverage on your Tesla Cybertruck
While the Tesla Cybertruck includes many advanced safety features, it’s still important to have sufficient insurance coverage in case of an accident.1 You can choose from the following coverage options for your Cybertruck:
Tesla Cybertruck insurance FAQs
If you’re shopping for Tesla Cybertruck insurance, this additional information can help you choose the best insurance company for your needs.
Yes. Cybertrucks are expensive to insure because of their high value and repair costs. To find cheap Tesla insurance, it’s a good idea to shop around and compare quotes from several insurance companies.
The average cost to insure a Tesla Cybertruck with full coverage is $283 per month. As a comparison, the national average car insurance premium is $182 per month for full coverage.
No. Despite recent news articles, car insurance companies aren’t dropping Cybertrucks, even though some Cybertruck owners claim their insurers have terminated their policies. You might need to contact a few insurers to find one that will underwrite coverage for these electric trucks.
Some insurance companies consider Cybertrucks risky to insure. Their concerns could be due to recent recalls, expensive repair costs, and the Cybertruck’s self-driving capabilities.
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