How much is insurance on a Tesla Model X?
A 2024 Tesla Model X runs about $3,110 a year for a typical 45-year-old, $1,170 more than an average 2024 car: pricier repairs outweigh slightly fewer at-fault claims.
2024 Tesla Model X, national average
about $3,110 a year (about $260 a month)
roughly $2,050–$4,500
An average 2024 car: about $1,940. An older Tesla Model X costs less (below).
Priced: the 2024 Model X (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used Tesla Model X, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $3,110 | about $950 | +$2,050 | about $8,920 |
| 2022 (4–7 years old) | about $2,850 | about $950 | +$1,880 | about $8,180 |
| 2018 (8–12 years old) | about $2,570 | about $950 | +$1,700 | about $7,370 |
We list the Tesla Model X for 2016–2026. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The 3 versions of the 2024 Tesla Model X we list (Model X, Model X Plaid (20in wheels) and Model X Plaid (22in wheels)) all come out within about $50 of each other.
The Tesla Model X for other drivers on their own policy, a year: 22–25, $4,040; 26–39, $3,450; 65 and older, $3,260.
Adding a 16-year-old with a Tesla Model X
A new 16-year-old driving the Tesla Model X adds about $2,050 a year ($170 a month), $770 more than with an average 2024 car.
For adding a teen, the Tesla Model X ranks the most expensive of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the Tesla Model X costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- much higher than average
- Theft and weather
- much higher than average
- Damage to others
- about average
- Injuries to others
- lower than average
The part that fixes or replaces the Tesla Model X: about $2,150, against $950 for an average 2024 car (126% more). The part that pays for harm to others: about $950, against $990 for an average car (4% less).
By the EPA's size classes it's a standard SUV, and it's electric. The Highway Loss Data Institute groups it with large luxury SUVs.
- Expensive and electric cars can cost more or less to insure than their repair records suggest.
Matched to “Tesla Model X electric 4dr 4WD” in HLDI's results.
Similar standard SUVs
Among these 18 standard SUVs, the Tesla Model X is the most expensive to insure.
- 2024 Dodge Durangoabout $2,060 ($1,050 less)
- 2024 Chevrolet Suburbanabout $2,090 ($1,020 less)
- 2024 Cadillac Escaladeabout $2,420 ($690 less)
- 2024 BMW X5about $2,700 ($400 less)
- 2024 Tesla Model Xabout $3,110 (this car)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.