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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Licensed property and casualty insurance agent
NPN: 21630969
MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).
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At $246 per month, Tesla Model X insurance costs are 48% more expensive than the average vehicle.
USAA is the cheapest insurer for the Tesla Model X, with an average monthly premium of $145.
The Model X’s higher rates stem from high repair costs, complex battery systems, specialized parts, and high performance.
Your policy type plays a big role in how much Model X coverage costs. Liability coverage is a cheaper 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 Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Tesla Model X | $138 | $353 | $246 |
| All vehicles | $116 | $216 | $166 |
Liability coverage for a Tesla Model X costs an average of $138 per month, while full coverage is $353 per month, according to our data. Both figures are more than 63% higher than the average cost of insuring a 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 |
|---|---|
| USAA | $145 |
| State Farm | $161 |
| Allstate | $205 |
| American Family | $219 |
| GEICO | $225 |
| User Reviews | 4.2 |
|---|---|
| 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. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA is one of the cheapest insurers for Tesla Model X drivers. The company consistently earns high marks from J.D. Power for customer service and claims satisfaction, and earns a A++ (Superior) financial strength rating from AM Best.[1] But military members and their families are only eligible for coverage.
Low Model X rates
Top J.D. Power scores[2]
Many available insurance products
Available only to military members and eligible family
Fewer available add-ons than some competitors
Limited local offices
| 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 |
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., and it’s no surprise when you look into the company ’s average rates, customer satisfaction, and policy offerings.[3] 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 | 3.5 |
|---|---|
| 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. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate may be a great option for Model X drivers who want safe driving and low-mileage discounts, thanks to programs like Drivewise and Mileswise. It also offers accident forgiveness and gap insurance, which can help protect you from steep out-of-pocket costs after an accident or total loss.
Despite its strong financial strength rating, Allstate scores below the industry average for claims satisfaction.[4]
Gap insurance available
Many available coverage options
Discounts for safe drivers
Custom parts coverage available
Poor Trustpilot rating[5]
More expensive than some competitors
Comparing quotes can save you up to $867.†
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 |
|---|---|
| 2026 | $295 |
| 2025 | $297 |
| 2024 | $297 |
| 2023 | $296 |
| 2022 | $296 |
| 2021 | $286 |
| 2020 | $273 |
| 2019 | $268 |
| 2018 | $258 |
| 2017 | $253 |
| 2016 | $246 |
Company | Average Monthly Premium |
|---|---|
| USAA | $174 |
| State Farm | $193 |
| Allstate | $246 |
| American Family | $263 |
| GEICO | $270 |
Company | Average Monthly Premium |
|---|---|
| USAA | $175 |
| State Farm | $195 |
| Allstate | $248 |
| American Family | $265 |
| GEICO | $272 |
Company | Average Monthly Premium |
|---|---|
| USAA | $175 |
| State Farm | $195 |
| Allstate | $248 |
| American Family | $265 |
| GEICO | $272 |
Company | Average Monthly Premium |
|---|---|
| USAA | $175 |
| State Farm | $194 |
| Allstate | $247 |
| American Family | $264 |
| GEICO | $271 |
Company | Average Monthly Premium |
|---|---|
| USAA | $175 |
| State Farm | $194 |
| Allstate | $247 |
| American Family | $264 |
| GEICO | $271 |
Company | Average Monthly Premium |
|---|---|
| USAA | $169 |
| State Farm | $187 |
| Allstate | $239 |
| American Family | $255 |
| GEICO | $262 |
Company | Average Monthly Premium |
|---|---|
| USAA | $161 |
| State Farm | $179 |
| Allstate | $228 |
| American Family | $243 |
| GEICO | $250 |
Company | Average Monthly Premium |
|---|---|
| USAA | $158 |
| State Farm | $175 |
| Allstate | $223 |
| American Family | $238 |
| GEICO | $245 |
Company | Average Monthly Premium |
|---|---|
| USAA | $152 |
| State Farm | $169 |
| Allstate | $215 |
| American Family | $229 |
| GEICO | $236 |
Company | Average Monthly Premium |
|---|---|
| USAA | $149 |
| State Farm | $166 |
| Allstate | $211 |
| American Family | $226 |
| GEICO | $232 |
Company | Average Monthly Premium |
|---|---|
| USAA | $145 |
| State Farm | $161 |
| Allstate | $205 |
| American Family | $219 |
| GEICO | $225 |
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 | $114 |
| Arizona | $121 |
| Arkansas | $131 |
| California | $148 |
| Colorado | $148 |
| Connecticut | $205 |
| Delaware | $172 |
| Florida | $161 |
| Georgia | $184 |
| Hawaii | $91 |
| Idaho | $76 |
| Illinois | $114 |
| Indiana | $94 |
| Iowa | $78 |
| Kansas | $107 |
| Kentucky | $143 |
| Louisiana | $154 |
| Maine | $101 |
| Maryland | $219 |
| Massachusetts | $109 |
| Michigan | $166 |
| Minnesota | $125 |
| Mississippi | $109 |
| Missouri | $131 |
| Montana | $108 |
| Nebraska | $104 |
| Nevada | $183 |
| New Hampshire | $63 |
| New Jersey | $194 |
| New Mexico | $105 |
| New York | $159 |
| North Carolina | $64 |
| North Dakota | $84 |
| Ohio | $89 |
| Oklahoma | $124 |
| Oregon | $110 |
| Pennsylvania | $116 |
| Rhode Island | $159 |
| South Carolina | $177 |
| South Dakota | $100 |
| Tennessee | $103 |
| Texas | $158 |
| Utah | $108 |
| Vermont | $103 |
| Virginia | $129 |
| Washington | $122 |
| Washington D.C. | $227 |
| West Virginia | $106 |
| Wisconsin | $87 |
| Wyoming | $81 |
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 |
|---|---|
| Teens | $472 |
| Adults | $246 |
| Seniors | $212 |
Teens have the highest crash rates of any age group, and car accidents are their leading cause of death, according to the Centers for Disease Control and Prevention (CDC).[6] Combine that elevated risk with high replacement and repair costs of a Tesla Model X, and insurance costs can climb for young drivers.
Still, your rate depends on the company you choose, and you may be able to get a better deal by switching insurers. Take a look at the cheapest companies for Model X teen drivers in the chart below.
Not only do older drivers have more years behind the wheel, but they’re also more likely to wear seat belts, according to data from the CDC. That combination lowers injury risk and claim severtiy and translates to lower premiums for seniors.
Some companies offer car insurance discounts for senior drivers, and the savings can stack up. So, shopping for car insurance is always worth it. The insurers in the table below offer affordable car insurance coverage for seniors, according to our data.
Your driving history directly affects the price of your insurance policy. A clean driving record keeps your Model X premium on the lower end of the spectrum. But a single violation can cause your car insurance premium to increase. The increase varies by company, but it usually takes about three years for your rates to decrease again.[7]
Here’s a quick look at how common driving incidents affect your Tesla Model X insurance rates, according to our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $246 |
| Speeding ticket | $330 |
| At-fault accident | $352 |
| DUI | $413 |
Nearly a third of all fatal crashes involve speeding, according to the National Highway Traffic Safety Administration (NHTSA).[8] As a result, insurance companies typically charge more after a speeding ticket — especially for a high-performance SUV like the Tesla Model X, which can reach 60 mph in 2.5 seconds.
But not every company weighs tickets the same, which means better rates are possible by shopping around. The companies in the chart below offer the lowest insurance premiums for Model X drivers with a speeding ticket, according to our data.
An accident on your record puts you in a high-risk category with insurance companies. And repairs aren’t cheap — collision claims for a Tesla Model X are about 37% higher than those for the average vehicle, according to the Insurance Institute for Highway Safety (IIHS).[9]
Because rate increases after an accident vary by company, comparing quotes can help limit the hit to your wallet. The table below shows the cheapest insurance options for Tesla Model X drivers after an at-fault accident, according to Compare.com data.
The Model X is packed with advanced safety features, but no technology can make up for impaired judgment. Drunk driving dramatically increases crash risk and triggers the biggest premium spike of any driving violation.
After a DUI, your state may require you to file an SR-22, which can limit your insurer options. Because some companies specialize in high-risk drivers, comparing quotes from multiple companies is often the best way to lower rates. Our data shows that the following insurers offer the most affordable rates to Model X drivers after a DUI.
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How you drive matters, but risk factors of the Modex X vehicle itself also affect your premium.
High price point: The base Model X comes in at just under six figures, while the Model X Plaid costs around $114,990.
Exclusive repair network: Tesla operates its own collision centers and also works with approved third-party repair shops.
Expensive claims: While electric vehicles generally cost more to repair, Model X claims are about 1.4 times higher than average.[9]
Luxury and performance: Falcon-wing doors, premium features, and up to 1,020 horsepower contribute to the Model X’s higher insurance prices.
Safety features: Advanced anti-theft systems, emergency braking, and collision avoidance help reduce crash risk.
Theft risk: Teslas rarely get stolen, and the Model X doesn’t appear on the National Insurance Crime Bureau’s (NICB) list of most-stolen vehicles.
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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 $246 per month to insure one, according to Compare.com data. That’s 48% more than coverage for all vehicle makes and models.
USAA has the cheapest insurance for the Tesla Model X, at $145 per month. But only military members and their families are eligible for coverage. State Farm and Allstate are the next cheapest options for Model X drivers.
Auto insurance for a 2026 Tesla Model X costs an average of $295 per month, according to Compare.com data. You can find lower rates, but you typically need to shop around and compare options.
The Tesla Model S is the cheapest to insure, according to our data. It costs an average of $219 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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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Licensed property and casualty insurance agent
NPN: 21630969
MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).
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