Best Tesla Model X Auto Insurance in 2026 (Find the Top 8 Providers Here)
State Farm, Nationwide, and Geico have the best Tesla Model X auto insurance. Tesla Model X insurance requirements can raise rates, but State Farm has cheap Tesla Model X insurance premiums for $33/mo. Use our list of Tesla-friendly insurance companies to find the best coverage.
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Table of Contents
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Insurance and Finance Writer
Since graduating from the University of WA with a B.A. in English Literature, Shawn has been professionally writing in the spheres of entertainment, insurance, business, marketing, and politics. He is passionate about using his writing skills and insurance knowledge to educate the general population on everyday issues surrounding these misunderstood topics. His work has been published on SUPERJ...
Shawn Laib
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Updated January 2025
18,155 reviewsCompany Facts
Full Coverage for Tesla Model X
A.M. Best Rating
Complaint Level
Pros & Cons
18,155 reviews
3,071 reviewsCompany Facts
Full Coverage for Tesla Model X
A.M. Best Rating
Complaint Level
Pros & Cons
3,071 reviews
19,116 reviewsCompany Facts
Full Coverage for Tesla Model X
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsThe best Tesla Model X auto insurance can be bought at State Farm, Nationwide, and Geico. Tesla owners will find great coverage options and a range of discounts at each of the best auto insurance companies for Teslas.
Some other great choices for Tesla auto insurance can be seen below.
Our Top 8 Company Picks: Best Tesla Model X Auto Insurance
| Company | Rank | Low Mileage Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 30% | B | Overall Value | State Farm |
 | #2 | 20% | A+ | Coverage Options | Nationwide |
 | #3 | 30% | A++ | Customer Service | Geico |
 | #4 | 10% | A | Low Rates | Mercury |
 | #5 | 10% | A+ | Filing Claims | Erie |
 | #6 | 30% | A+ | Innovative Savings | Progressive |
 | #7 | 18% | A+ | Financial Stability | Cincinnati |
 | #8 | 20% | A++ | Military Families | USAA |
If you want to compare rates to find the cheapest insurance for Tesla Model X, use our free quote tool.
- State Farm has the best Tesla insurance for Model Xs
- Nationwide and Geico are also great options
- Discounts at these companies can help keep Tesla rates low
#1 – State Farm: Top Pick Overall
Pros
- Overall Value: State Farm provides some of the best rates on coverages, making policies a great value for most drivers. Learn about State Farm’s rates in our State Farm review.
- Local Agents: Tesla owners can get assistance easily from State Farm agents.
- Discount Variety: State Farm offers customers a wide range of auto insurance discounts.
Cons
- Availability of UBI Discount: State Farm’s UBI discount isn’t offered in a handful of states.
- Policy Purchases: Customers can’t purchase a State Farm policy online – only through an agent.
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#2 – Nationwide: Best for Coverage Options
Pros
- Coverage Options: Nationwide offers a great selection of coverages, which you can read about in our Nationwide review.
- Vanishing Deductible: Nationwide’s vanishing deductibles are great for safe drivers.
- Pay-Per-Mile Insurance: If you rarely drive, then Nationwide’s pay-per-mile program can help you save even more.
Cons
- Availability: You can’t purchase Nationwide auto insurance in three states.
- DUI Rates: Nationwide’s DUI rates aren’t as competitive as other companies.
#3 – Geico: Best for Customer Service
Pros
- Customer Service: Geico has decent customer service ratings, which you can learn about in our Geico review.
- User-Friendly App: Geico’s app has high ratings and makes it simple to manage policies.
- Coverage Options: Geico has all the basics and more for Tesla owners.
Cons
- UBI Availability: Geico’s UBI discount isn’t available in all states.
- Local Agent Availability: It can be hard for customers to find a local agent in some areas.
#4 – Mercury: Best for Low Rates
Pros
- Low Rates: Mercury has some of the most affordable rates for Tesla owners. Learn more about Mercury’s rates in our review of Mercury insurance.
- Quick Claims Processing: Mercury auto insurance claims are generally handled quickly.
- Add-On Coverages: Mercury offers coverages like rental car reimbursement.
Cons
- Availability: Mercury auto insurance is not available in all states.
- No Accident Forgiveness: Safe drivers will still see rate increases after their first at-fault accident.
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#5 – Erie: Best for Filing Claims
Pros
- Filing Claims: Erie has good ratings for claims processing, which you can read about in our Erie review.
- Rate Lock: Erie won’t raise rates unless there are changes made to the policy.
- Diminishing Deductibles: Erie lowers deductibles annually for claims-free drivers.
Cons
- Availability: Erie is not available in all states.
- UBI Discounts: Erie’s UBI program only has gift card rewards.
#6 – Progressive: Best for Innovative Savings
Pros
- Innovative Savings: Progressive offers tools like NameYourPrice to help customers save. Read more in our Progressive review.
- Availability: Progressive is widely available and offers local agents.
- Multiple Discounts: Progressive has multiple discounts from which to choose.
Cons
- UBI Rate Penalties: Poor driving when participating in Progressive’s UBI program can result in rate increases.
- Customer Satisfaction Ratings: Progressive has average or slightly below average ratings from J.D. Power.
#7 – Cincinnati: Best for Financial Stability
Pros
- Financial Stability: Cincinnati has strong financial ratings, which puts it in a good position to pay off claims without financial distress.
- Loyalty Discounts: Cincinnati offers discounts to loyal customers.
- Claims Satisfaction: Cincinnati has good customer ratings for claims satisfaction.
Cons
- Availability: Cincinnati auto insurance isn’t sold in a few states.
- High-Risk Rates: Cincinnati’s rates may not be as competitive for high-risk drivers.
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#8 – USAA: Best for Military Families
Pros
- Military Families: USAA is the best provider for military families, which you can learn more about in our USAA review.
- Availability: USAA auto insurance is sold in all 50 states.
- Coverage Options: USAA offers umbrella insurance, gap insurance, and more.
Cons
- Exclusive Eligibility: Only families of military members or veterans can qualify for insurance.
- UBI Availability: USAA’s UBI program isn’t available in a few states.
Compare Tesla Model X Auto Insurance Rates
Drivers must meet Tesla Model X auto insurance requirements by carrying the minimum coverage required by their resident state.
Tesla Model X Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $36 | $95 |
| $22 | $58 |
| $30 | $80 |
| $29 | $77 |
| $44 | $115 |
| $39 | $105 |
| $33 | $86 |
| $22 | $59 |
Getting quotes from the top companies like State Farm will help you get the cheapest rates on Tesla Model X auto insurance minimums or full coverage.
Generally, new Teslas have higher insurance rates than older models. The average Tesla Model X insurance cost by model year is below.
Tesla Model X Auto Insurance Monthly Rates by Model Year
| Model Year | Minimum Coverage | Full Coverage |
|---|---|---|
| 2020 | $119 | $240 |
| 2021 | $125 | $250 |
| 2022 | $130 | $260 |
| 2023 | $135 | $270 |
| 2024 | $140 | $280 |
Your Tesla Model X insurance cost per month will also vary by your age and driving record.
Tesla Model X Auto Insurance Monthly Rates by Driving Record
| Age & Gender | Clean Record | Speeding Ticket | At-Fault Accident | DUI/DWI |
|---|---|---|---|---|
| 16-Year-Old Male | $801 | $950 | $1,100 | $1,300 |
| 16-Year-Old Female | $775 | $920 | $1,070 | $1,260 |
| 20-Year-Old Male | $650 | $780 | $900 | $1,100 |
| 20-Year-Old Female | $630 | $750 | $870 | $1,050 |
| 25-Year-Old Male | $497 | $590 | $700 | $850 |
| 25-Year-Old Female | $480 | $570 | $670 | $810 |
| 35-Year-Old Male | $229 | $280 | $320 | $400 |
| 35-Year-Old Female | $220 | $260 | $300 | $370 |
| 45-Year-Old Male | $219 | $250 | $280 | $350 |
| 45-Year-Old Female | $210 | $240 | $270 | $340 |
| 55-Year-Old Male | $200 | $220 | $240 | $300 |
| 55-Year-Old Female | $190 | $210 | $230 | $290 |
| 65-Year-Old Male | $196 | $210 | $230 | $280 |
| 65-Year-Old Female | $188 | $200 | $220 | $270 |
On average, young drivers and drivers with poor driving records will have the most expensive rates.
Teenage drivers with Tesla Model Xs will get the cheapest rates by joining a parent's policy rather than purchasing a separate policy.Dani Best Licensed Insurance Producer
Where you live is another factor affecting your rates.
Auto Insurance Monthly Rates by State
| State | Minimum Coverage | Full Coverage |
|---|---|---|
| Alabama | $150 | $280 |
| Alaska | $160 | $290 |
| Arizona | $145 | $275 |
| Arkansas | $140 | $270 |
| California | $180 | $310 |
| Colorado | $165 | $295 |
| Connecticut | $175 | $305 |
| Delaware | $170 | $300 |
| Florida | $200 | $330 |
| Georgia | $180 | $310 |
| Hawaii | $155 | $285 |
| Idaho | $150 | $280 |
| Illinois | $155 | $285 |
| Indiana | $140 | $270 |
| Iowa | $135 | $265 |
| Kansas | $145 | $275 |
| Kentucky | $160 | $290 |
| Louisiana | $190 | $320 |
| Maine | $145 | $275 |
| Maryland | $170 | $300 |
| Massachusetts | $175 | $305 |
| Michigan | $200 | $330 |
| Minnesota | $155 | $285 |
| Mississippi | $140 | $270 |
| Missouri | $150 | $280 |
| Montana | $145 | $275 |
| Nebraska | $135 | $265 |
| Nevada | $175 | $305 |
| New Hampshire | $145 | $275 |
| New Jersey | $185 | $315 |
| New Mexico | $145 | $275 |
| New York | $190 | $320 |
| North Carolina | $145 | $275 |
| North Dakota | $135 | $265 |
| Ohio | $145 | $275 |
| Oklahoma | $150 | $280 |
| Oregon | $165 | $295 |
| Pennsylvania | $155 | $285 |
| Rhode Island | $180 | $310 |
| South Carolina | $150 | $280 |
| South Dakota | $135 | $265 |
| Tennessee | $140 | $270 |
| Texas | $165 | $295 |
| Utah | $155 | $285 |
| Vermont | $145 | $275 |
| Virginia | $150 | $280 |
| Washington | $165 | $295 |
| West Virginia | $150 | $280 |
| Wisconsin | $145 | $275 |
| Wyoming | $130 | $260 |
Higher-risk states like California and Florida will have some of the most expensive rates for Tesla owners.
Luxury Auto Insurance for Tesla Model X
A Tesla Model X is one of the more expensive models to insure, as the rates below for Tesla auto insurance by model compared to BMW auto insurance rates and other brands show.
Popular Luxury Vehicles Auto Insurance Monthly Rates
| Vehicle | Minimum Coverage | Full Coverage |
|---|---|---|
| Audi e-tron GT | $210 | $330 |
| BMW iX | $220 | $340 |
| Cadillac Lyric | $200 | $320 |
| Jaguar I-Pace | $199 | $319 |
| Mercedes-Benz EQS | $230 | $350 |
| Polestar 3 | $215 | $335 |
| Rivian R1S | $205 | $325 |
| Tesla Model X | $219 | $339 |
| Tesla Model Y | $200 | $320 |
| Volvo X90 | $225 | $345 |
Tesla Model 3 auto insurance and Tesla Model Y auto insurance are slightly lower in cost than Mercedes-Benz auto insurance but more expensive than Rivian models.
You can read more about Rivian models in our Rivian auto insurance review.
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Tesla Model X Auto Insurance Discounts
The best companies offer plenty of discounts. Look below for the companies’ best discounts, such as Geico Tesla insurance discounts.
A safe driving discount is a Tesla Model X auto insurance discount that usually saves drivers the most money. However, some companies may also offer electric vehicle auto insurance discounts, which Teslas will qualify for (learn more: How to Get a Green Vehicle Auto Insurance Discount).
What You Need to Know About the Best Tesla Model X Auto Insurance Companies
Choosing a Tesla-friendly insurance company will ensure you get the best coverage possible for your electric vehicle. To find the best deal on Tesla insurance coverage, drivers must get a Tesla insurance quote from a few companies (read more: 10 Best Eco-Friendly Auto Insurance Companies).
We make it easy if you are looking for a Tesla Model X auto insurance estimate calculator. Our free tool allows you to quickly compare multiple quotes.
Frequently Asked Questions
What is the cheapest auto insurance for a Tesla Model X?
The cheapest Tesla Model X insurance is minimum coverage.
Which auto insurance company is the best for Tesla Model X?
State Farm is the best auto insurance company for Tesla owners.
What insurance companies cover Tesla cars?
Companies that cover Tesla cars include State Farm, Nationwide, and Geico. Use our tool to compare rates to find the best rates on Tesla auto insurance.
Why is AAA Tesla auto insurance so expensive?
AAA Tesla auto insurance can be expensive because Tesla’s purchase price is high. Therefore, AAA will have to pay a high replacement cost if the Tesla is totaled (learn more about replacement cost in our article on replacement cost vs. actual cash value auto insurance).
Does Tesla sell its own insurance?
Like other companies creating self-driving cars, Tesla does sell its own insurance. However, it is more expensive. To find the best deal on auto insurance for your Tesla, compare quotes with our free tool.
Is Tesla Insurance cheaper than regular insurance?
No, Tesla auto insurance tends to be more expensive. You can learn more about Tesla insurance in our Tesla auto insurance review.
Does Tesla insurance rate adjust my premium every month?
Yes, Tesla insurance is adjusted every month based on your safety score.
Are Teslas expensive to maintain?
Teslas are more expensive to maintain on average, especially if you have battery issues (read more about batteries and auto insurance in our article: Does auto insurance cover battery replacement?).
Why is it hard to insure Tesla?
A Tesla is a luxury car, and the best auto insurance for luxury cars costs more because repairs and replacements are expensive. Some insurance companies may not want to take on the risk of insuring expensive cars, which can make it harder to find Tesla insurance.
What insurance group is Tesla Model X?
Tesla Model Xs are classified as SUVs for insurance ratings.
Will buying a Tesla Model X increase my auto insurance rates?
How do I lower my Tesla Model X insurance rates?
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