Tesla Model X Insurance: by Model Year & Company

Tesla Model X insurance costs an average of $2,264 for a 6-month full coverage policy. Progressive offers the cheapest rate for the latest Tesla Model X at $286/mo or $1,715 for a 6-month full coverage policy.

Shopping around? Use our calculator to compare average insurance rates by vehicle.
Know your vehicle? Get a personalized quote by entering your zip code.

What to know about insuring a Tesla Model X:

The Model X costs more to insure than most SUVs. Averaging $377/mo for the Model X versus $184/mo for typical SUVs.
If you're considering a vehicle similar to the Model X, like the Tesla Model Y ($283/mo), Tesla Model S ($336/mo), or Tesla Model 3 ($263/mo), your insurance costs will be more expensive.
Progressive ($245/mo), American Family ($291/mo), USAA ($294/mo) offer the cheapest full coverage rates.

The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.

Tesla Model X Car Insurance Rates by State

State	Average Annual Premium
Alabama	$5,173
Alaska	$6,745
Arizona	$6,964
Arkansas	$6,575
California	$5,384
Colorado	$6,050
Connecticut	$6,608
Delaware	$8,420
Florida	$5,429
Georgia	$5,620
Hawaii	$4,219
Idaho	$4,714
Illinois	$5,922
Indiana	$4,298
Iowa	$4,407
Kansas	$5,440
Kentucky	$5,976
Louisiana	$7,594
Maine	$3,746
Maryland	$6,048
Massachusetts	$3,756
Michigan	$5,492
Minnesota	$5,718
Mississippi	$4,690
Missouri	$6,215
Montana	$5,532
Nebraska	$5,223
Nevada	$5,412
New Hampshire	$4,485
New Jersey	$5,108
New Mexico	$4,829
New York	$5,337
North Carolina	$3,635
North Dakota	$5,585
Ohio	$3,931
Oklahoma	$6,183
Oregon	$4,762
Pennsylvania	$5,286
Rhode Island	$8,436
South Carolina	$4,919
South Dakota	$5,118
Tennessee	$5,272
Texas	$4,939
Utah	$4,511
Vermont	$4,027
Virginia	$4,915
Washington	$4,282
Washington, D.C.	$7,518
West Virginia	$5,389
Wisconsin	$4,812
Wyoming	$5,273

Compare Tesla Model X insurance costs vs other vehicles

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2025 Tesla Model X

Av. Cost Per Year$5,312

Av. Per Month$443

Cheapest Companies

USAA$206/m

Progressive$209/m

American Family$242/m

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How much does it cost to insure my Tesla Model X?

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2025 Tesla Model X

Cheapest Insurance Companies	Average Annual Cost
Progressive	$3,429
USAA	$3,431
Nationwide	$3,600
State Farm	$3,995
Erie	$4,790
American Family	$5,248
GEICO	$7,062
Farmers	$7,567
Allstate	$7,738

Compare all 2025 Tesla Model X insurance rates.

Average Cost to Insure Per Year

$5,312

2024 Tesla Model X

Cheapest Insurance Companies	Average Annual Cost
Progressive	$3,368
USAA	$3,389
Nationwide	$3,677
State Farm	$3,834
American Family	$4,127
Erie	$4,590
Farmers	$7,345
Allstate	$7,434
GEICO	$7,654

Compare all 2024 Tesla Model X insurance rates.

Average Cost to Insure Per Year

$5,339

2023 Tesla Model X

Cheapest Insurance Companies	Average Annual Cost
Progressive	$3,300
American Family	$3,454
State Farm	$3,720
Nationwide	$3,757
Erie	$4,608
USAA	$5,397
GEICO	$6,870
Farmers	$6,933
Allstate	$7,634

Compare all 2023 Tesla Model X insurance rates.

Average Cost to Insure Per Year

$5,412

2022 Tesla Model X

Cheapest Insurance Companies	Average Annual Cost
Progressive	$3,173
American Family	$3,321
Nationwide	$3,728
Erie	$4,428
State Farm	$4,450
USAA	$5,686
Farmers	$6,447
GEICO	$7,856
Allstate	$8,229

Compare all 2022 Tesla Model X insurance rates.

Average Cost to Insure Per Year

$5,791

2021 Tesla Model X

Cheapest Insurance Companies	Average Annual Cost
Progressive	$3,021
American Family	$3,138
USAA	$3,163
State Farm	$3,509
Nationwide	$3,903
Erie	$4,198
GEICO	$5,932
Farmers	$6,115
Allstate	$6,778

Compare all 2021 Tesla Model X insurance rates.

Average Cost to Insure Per Year

$4,647

2020 Tesla Model X

Cheapest Insurance Companies	Average Annual Cost
Progressive	$2,886
American Family	$2,987
USAA	$3,159
Nationwide	$3,436
State Farm	$3,496
Erie	$4,018
Farmers	$5,801
Allstate	$6,549
GEICO	$6,579

Compare all 2020 Tesla Model X insurance rates.

Average Cost to Insure Per Year

$4,659

2019 Tesla Model X

Cheapest Insurance Companies	Average Annual Cost
Progressive	$2,594
USAA	$2,924
American Family	$2,930
State Farm	$2,998
Erie	$3,747
GEICO	$5,372
Nationwide	$5,602
Farmers	$5,667
Allstate	$6,331

Compare all 2019 Tesla Model X insurance rates.

Average Cost to Insure Per Year

$4,482

2018 Tesla Model X

Cheapest Insurance Companies	Average Annual Cost
Progressive	$2,556
American Family	$2,847
USAA	$2,943
State Farm	$3,544
Erie	$3,707
GEICO	$5,121
Farmers	$5,383
Nationwide	$5,561
Allstate	$5,562

Compare all 2018 Tesla Model X insurance rates.

Average Cost to Insure Per Year

$4,344

2017 Tesla Model X

Cheapest Insurance Companies	Average Annual Cost
Progressive	$2,607
USAA	$2,766
Nationwide	$3,321
State Farm	$3,407
Erie	$3,565
American Family	$3,919
Allstate	$4,833
GEICO	$4,890
Farmers	$5,200

Compare all 2017 Tesla Model X insurance rates.

Average Cost to Insure Per Year

$3,875

2016 Tesla Model X

Cheapest Insurance Companies	Average Annual Cost
USAA	$2,467
Progressive	$2,505
American Family	$2,909
Nationwide	$3,246
Erie	$3,554
State Farm	$3,783
Allstate	$4,942
Farmers	$5,078
GEICO	$5,250

Compare all 2016 Tesla Model X insurance rates.

Average Cost to Insure Per Year

$3,918