Tesla Model X Car Insurance Quotes (2025)
Drivers pay an average of $501 per month to insure a Tesla Model X with full coverage.
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Drivers with a Tesla Model X spend an average of $501 per month for full-coverage insurance. The Tesla Model X is the most expensive of all Tesla models to insure.
Your unique situation as a driver, including factors like your age, location, coverage type, driving record, credit history, vehicle safety features, discount eligibility, and more, affects your car insurance rates.1
Here’s what you need to know about finding car insurance for your Tesla Model X.
Cost of Tesla Model X insurance by model year
Tesla Model X insurance costs an average of $172 per month for liability-only insurance. Drivers who opt for more robust protection of full-coverage insurance face an average cost of $501 per month to insure their Tesla Model X.
USAA and GEICO offer some of the cheapest insurance rates for 2025 Tesla Model X drivers, with monthly averages of $187 and $221, respectively.
Compare average monthly quotes for the Tesla Model X by model year in the following table.
The standard 2025 Model X has an MSRP of $81,880, and the MSRP for the Model X Plaid jumps to $96,880. Since this newest model year is more expensive, your insurance costs will likely be higher.
USAA and GEICO have the cheapest full-coverage rates for the 2025 Model X, with monthly averages of $187 and $221, respectively. Check out which insurance companies offer the cheapest full-coverage insurance for the 2025 Tesla Model X in the table below.
The starting MSRP for the 2024 Tesla Model X is $79,990, and the 2024 Model X Plaid has a starting MSRP of $94,990.
USAA offers the lowest full-coverage average cost for a 2024 Model X, at $185 per month. Travelers is the most expensive insurer, at $357 per month — a difference of 93%. The table below shows average monthly full-coverage costs for the 2024 Tesla Model X.
The 2023 Tesla Model X had an MSRP of $81,380.
USAA, GEICO, and State Farm offer the cheapest average rates for drivers with a 2023 Model X, all with monthly averages of less than $215. The table below outlines the average monthly full-coverage prices for the 2023 Tesla Model X.
The 2022 Tesla Model X had a starting price of $98,940.
USAA has the cheapest average rates for the 2022 Tesla Model X, at $158 per month. The following table shows the average car insurance premiums across insurance companies for this model year.
The starting price of a 2021 Tesla Model X was $81,190.
USAA and GEICO offer the cheapest average rates for a 2021 Model X, at $133 and $157 per month. Use the table below to explore the average quotes for the 2021 Model X by insurance company.
Older vehicles typically cost less to insure than new vehicles. The 2020 Tesla Model X had an MSRP of $81,190.
Most insurers offer cheaper rates for an older model Tesla than the newest model. USAA, State Farm, and GEICO are the cheapest insurers for the 2020 Model X, all with monthly rates of less than $200. The General has the most expensive monthly rates, at $409 per month. The General’s rates are 149% higher than USAA’s.
The table below shows the average rates by insurer for the 2020 Tesla Model X.
The 2019 Tesla Model X had an MSRP of $81,000.
USAA has the cheapest coverage for a 2019 Model X, with a monthly average cost of $156, followed by State Farm ($180) and GEICO ($186). The table below provides a breakdown of the average monthly quotes by insurer for the 2019 Tesla Model X.
Average cost of Tesla car insurance by state
Your ZIP code is one factor that affects how much you pay for car insurance. Check out how much it costs to insure a Tesla in different states.
Alaska and Hawaii aren’t included due to insufficient data.
How to ensure you have enough coverage on your Tesla Model X
As you explore your car insurance options, you should consider the following most common types of coverage.
Tesla Model X car insurance FAQs
The following information can help answer your remaining questions about Tesla Model X car insurance.
USAA and GEICO offer the cheapest car insurance coverage for Tesla Model X drivers. But you should always shop around and compare quotes from multiple insurers to find the best deal for your situation.
Yes. Compared to the national average liability-only policy cost of $103 per month, the Tesla Model X is more expensive to insure, with an average of $172 per month.
On average, it costs $172 per month to insure a Tesla Model X with liability-only coverage. For full-coverage policies, the average car insurance cost is $501 per month.
Many people consider the Tesla Model X to be a luxury car. The electric SUV has a suite of features that appeal to luxury vehicle buyers.3
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