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Taylor Milam-Samuel is an experienced insurance writer for Compare.com. A credentialed educator, Taylor is passionate about personal finance and understanding how people manage their money. You can find her work across several trusted insurance and personal finance sites, including U.S. News & World Report, Business Insider, Credit Karma, Insurify, and more.
Taylor has been writing for Compare.com since 2025.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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For a Tesla Model X, you can expect to spend $185 per month on basic liability-only car insurance and $340 for a more robust full-coverage policy. Both figures are quite a bit above the national averages for all vehicles. With a starting price of nearly $90,000,[1] it’s an expensive car, which factors into its sky-high average insurance rates — about 70% more than the average for all vehicles.
But here’s the good news: Some insurers have rates much lower than the average. Mile Auto, Safeco, and Mercury are just a few.
Let’s dive into some of the best car insurance options for Tesla Model X owners and how to find the right coverage for your EV.
A Model X costs quite a bit more to insure than other vehicles — $262 per month, on average.
HiRoad has the most affordable insurance for Tesla Model X owners, but it’s available only in Rhode Island and Arizona.
Mile Auto and Safeco are other low-cost insurance options for Model X drivers.
Your policy type plays a big role in how much Model X coverage costs. Liability-only insurance is a cheap option. It meets the minimum requirements in your state, but it’s bare-bones. You won’t get any help paying for your vehicle repairs after an accident.
Full coverage is more expensive, but the trade-off is that it provides a lot more protection. These types of policies include comprehensive and collision coverage, which help pay for repairs to your car when you cause an accident, hit an object, or suffer damage from severe weather, theft, or fire.
Let’s take a look at how the prices for Model X insurance change based on coverage.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Tesla Model X | $185 | $340 | $262 |
| All vehicles | $107 | $197 | $152 |
Liability-only coverage for a Tesla Model X costs an average of $185 per month, while full coverage is $340, according to our data. Both figures are more than 70% higher than the average vehicle.
That said, coverage isn’t the only thing that affects the price. And several insurers offer average rates well below these figures.
Average car insurance rates are a helpful guideline so you know what to expect, but you can usually find better deals if you compare rates from different companies.
We’ve broken down the five cheapest options for Model X insurance, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| HiRoad | $109 |
| Mile Auto | $156 |
| Safeco | $177 |
| Mercury | $184 |
| Just Insure | $191 |
With an average monthly cost of $109, HiRoad has the lowest average insurance rates for a Model X. But remember, another company might offer you better prices based on personal factors, like your state and driving record. At the end of the day, comparing quotes from at least three companies is the only way to ensure you get the best deal.
Comparing quotes can save you as much as $867.†
The best car insurance company depends on what you’re looking for. There isn’t one that’s best for everyone. For example, HiRoad might be the top pick if you want low-cost coverage. But Safeco might be a better fit if you need rideshare protection. Figuring out what matters most to you can help you find the best company.
The following companies are some of the best options for different types of Model X drivers, based on our research.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is the largest insurer in the U.S.,[2] and it’s no surprise when you look into the company’s average rates, customer satisfaction, and policy offerings. In addition, the company boasts a wide array of discount opportunities, most notably its Steer Clear and Drive Safe & Save programs.
That said, State Farm’s customer satisfaction scores are just so-so, according to J.D. Power. And you must work with a local agent to manage your policy, which means it may not be the best option for digital-first shoppers.
Great average rates
Meaningful discount opportunities
Highly rated mobile app
Must work with local agent
Mediocre customer satisfaction ratings
Fewer coverage options than some competitors
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco is one of the best picks if you want low-cost auto insurance. The average rates for Tesla Model X coverage are more than 30% cheaper than the vehicle’s overall average rate. Plus, you get cash back for staying claims-free, and your deductible decreases every six months when you don’t file a claim.
The cost-saving features might come at a price, though. Customer satisfaction is below average,[3] according to J.D. Power. That means drivers aren’t always happy with how Safeco handles things with its customers.
Affordable average rates
Unique rewards and coverage options
Available nationwide
Must work with independent agent
Low customer satisfaction scores
Not many discounts available
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
As a usage-based insurance company, Mile Auto has some of the lowest average rates for Model X drivers who don’t spend a lot of time behind the wheel. It’s an ideal option for work-from-home drivers without a commute, stay-at-home parents, retirees, or anyone else who doesn’t drive much. Plus, the company doesn’t track your data. Instead, you just send in a quick photo of your odometer for verification.
The biggest downside is that coverage is available only in a handful of states: Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas.
User-friendly usage-based program
Low-tech mileage tracking
Incredibly low rates
Available only in some states
Hit-or-miss claims process
Limited optional coverages
Average rates start as low as $84 per month.
Your car’s age influences the cost of insurance. Older cars are usually cheaper to insure because they’re worth less and cheaper to fix. The same is true for the Model X. The oldest models cost less to insure, and the newest models have the most expensive coverage.
Here’s a look at the average cost of insurance for each model year.
Model X Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $293 | Safeco | $177 |
| 2024 | $289 | Safeco | $174 |
| 2023 | $279 | HiRoad | $95 |
| 2022 | $265 | Safeco | $161 |
| 2021 | $273 | Safeco | $170 |
| 2020 | $287 | Mile Auto | $162 |
| 2019 | $258 | Mile Auto | $111 |
| 2018 | $264 | Mile Auto | $121 |
| 2017 | $246 | Mile Auto | $118 |
| 2016 | $239 | Mile Auto | $114 |
| 2015 | $236 | Mile Auto | $112 |
Your location also affects insurance costs, especially the state you call home. Each state has different insurance requirements, and those with stricter coverage laws typically have higher insurance costs. Things like local weather, the chance of natural disasters, and population size also affect how much you’ll pay.
Let’s take a look at the average Model X insurance rates by state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $173 |
| Arizona | $231 |
| Arkansas | $331 |
| California | $333 |
| Colorado | $271 |
| Connecticut | $527 |
| Delaware | $321 |
| Florida | $338 |
| Georgia | $344 |
| Idaho | $174 |
| Illinois | $216 |
| Indiana | $186 |
| Iowa | $157 |
| Kansas | $212 |
| Kentucky | $338 |
| Louisiana | $312 |
| Maine | $205 |
| Maryland | $476 |
| Massachusetts | $261 |
| Michigan | $406 |
| Minnesota | $261 |
| Mississippi | $261 |
| Missouri | $254 |
| Montana | $211 |
| Nebraska | $243 |
| Nevada | $413 |
| New Hampshire | $159 |
| New Jersey | $274 |
| New Mexico | $200 |
| New York | $666 |
| North Carolina | $129 |
| North Dakota | $200 |
| Ohio | $176 |
| Oklahoma | $224 |
| Oregon | $223 |
| Pennsylvania | $226 |
| Rhode Island | $199 |
| South Carolina | $380 |
| South Dakota | $167 |
| Tennessee | $195 |
| Texas | $307 |
| Utah | $252 |
| Vermont | $188 |
| Virginia | $250 |
| Washington | $193 |
| District of Columbia | $394 |
| West Virginia | $200 |
| Wisconsin | $176 |
| Wyoming | $167 |
Older drivers usually have more experience behind the wheel. Because of that, they’re generally less likely to cause an accident, which means they pay less for coverage. On the other hand, younger drivers — especially teens — have the least experience and pay the most for car insurance.
The following chart breaks down the average costs as well as the cheapest insurers for Model X drivers in different age groups, according to our research.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $494 | HiRoad | $205 |
| Adults | $240 | HiRoad | $100 |
| Seniors | $202 | HiRoad | $84 |
We found that HiRoad is the cheapest insurance option for every age category. The good news is that coverage costs decrease as you age.
Your driving record represents a history of your choices behind the wheel. Insurance companies use your record to figure out how likely you are to file a future claim.[4]
When you have a clean record without violations, you pay less for coverage. But not every type of violation affects your insurance costs the same.
Below is a breakdown of Model X insurance costs based on different driving records, according to Compare.com data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $262 | HiRoad | $109 |
| Speeding ticket | $364 | HiRoad | $151 |
| At-fault accident | $380 | HiRoad | $157 |
| DUI | $432 | HiRoad | $179 |
HiRoad has some of the cheapest insurance rates for drivers with any type of record, including people without any violations. The company’s average rates for Model X drivers are half the price of the premiums for all insurers.
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Tesla Model X car insurance is substantially more expensive than the average car insurance bill — more than 70% higher. Here are the biggest reasons why it’s pricey to insure this model.
Costly repair parts: Tesla repair parts come directly from the manufacturer. That means there are no aftermarket parts, and they’re more expensive than parts from similar car brands. For example, replacing the battery for the Model X costs at least $14,000.[5]
Specialized technology: The Model X features advanced technology, like auto assist and other autopilot capabilities. Owners typically appreciate these cutting-edge features, but they come at a cost. Replacement parts usually start around $2,000, and insurers take that into account when pricing policies.
Sky-high starting price: The Model X’s starting price is around $90,000, but after upgrades, it can quickly exceed six figures. Because it’s an expensive car, you need more coverage to protect it.
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You can take these easy steps to get the cheapest car insurance for your Model X.
Bundle your insurance policies. Using the same insurance company for different types of coverage can help you get a multi-policy discount and streamline your bills. It’s a win-win.
Ask about discounts. You might be able to get one if you have a student away at school, a connection to the military, a stellar track record behind the wheel, or in countless other situations.
Consider telematics. Usage-based insurance can help you get much lower rates. Low mileage or safe driving habits help you get the biggest savings.
Shop around often. Compare quotes from at least three insurance companies every six months. Completing a few online forms can save you a lot of cash. Insurance-comparison sites make it easy to get quotes from several insurers at once.
Bring the insurance companies to you and get quotes from dozens of insurers.
Here’s what to consider as you shop for the best deal on Tesla Model X insurance.
Yes, the Tesla Model X is expensive to insure. It costs about $262 per month to insure one, according to Compare.com data. That’s 72% more than coverage for all vehicle makes and models.
HiRoad has the cheapest insurance for the Tesla Model X, at $109 per month. But coverage is available in only two states. Safeco also has low rates, and it’s available in every state.
Car insurance for a 2025 Tesla Model X costs an average of $293 per month, according to Compare.com data. You can find lower rates, but you typically need to shop around and compare options.
The Model Y is the cheapest Tesla to insure, according to Compare.com. It costs an average of $226 per month.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Taylor Milam-Samuel is an experienced insurance writer for Compare.com. A credentialed educator, Taylor is passionate about personal finance and understanding how people manage their money. You can find her work across several trusted insurance and personal finance sites, including U.S. News & World Report, Business Insider, Credit Karma, Insurify, and more.
Taylor has been writing for Compare.com since 2025.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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