2022 Tesla Model X Car Insurance Calculator

Gain insights into how changes to risk factors and vehicle options impact the insurance cost for a 2022 Tesla Model X. Play around with factors like your location, homeowner status, credit score, and policy coverages. Get instant feedback if the option you change results in higher or lower rates and learn why.

The average estimated car insurance premium for a 2022 Tesla Model X is $2,892 per year, or about $241 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,892

Cost Per Month

$241

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Tesla Model X Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2022 Tesla Model X.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,892
Average Rate
Your Rate
$2,892

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2022 Tesla Model X trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2022 Tesla Model X is $2,892.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2022 Tesla Model X Segment Comparison

The table below compares insurance rates for the 2022 Tesla Model X against all other models in the midsize luxury SUV segment. The Tesla Model X is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Tesla Model X, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Tesla Model X.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2022 Tesla Model X Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac XT5$2,102-$790
2Infiniti QX50$2,160-$732
3Jaguar E-Pace$2,192-$700
4Lexus RX 350$2,202-$690
5Acura MDX$2,214-$678
6Lexus RX 450h$2,254-$638
7Lexus RX 350L$2,282-$610
8Cadillac XT6$2,298-$594
9Volvo V60$2,310-$582
10Land Rover Discovery Sport$2,318-$574
11Land Rover Discovery$2,328-$564
12Lincoln Nautilus$2,340-$552
13Lexus RX 450hL$2,346-$546
14Volvo V90$2,368-$524
15Mercedes-Benz GLE350$2,396-$496
16Lincoln Aviator$2,408-$484
17Mercedes-Benz AMG GLB35$2,436-$456
18Mercedes-Benz GLE450$2,442-$450
19Genesis GV80$2,446-$446
20Lexus GX 460$2,478-$414
21Infiniti QX60$2,488-$404
22Audi SQ5$2,526-$366
2022 Midsize Luxury SUV Average$2,575-$317
23Mercedes-Benz AMG GLC43$2,590-$302
24BMW X5$2,718-$174
25Audi Q7$2,802-$90
26Land Rover Range Rover Sport$2,832-$60
27BMW iX$2,854-$38
28Audi Q8$2,866-$26
29Tesla Model X$2,892--
30Audi e-tron$2,900$8
31Audi SQ7$2,980$88
32Mercedes-Benz AMG GLE53$3,018$126
33BMW X6$3,086$194
34Mercedes-Benz AMG GLE63$3,216$324
35Porsche Cayenne$3,248$356
36Audi RS 6$3,354$462

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2022 Model X Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 Tesla Model X.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2022 Tesla Model X Insurance Rates by Trim Level
2022 Tesla Model X Trim Level Annual Premium Cost Per Month
AWD$2,854$238
Plaid AWD$2,932$244

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2022 Tesla Model X for different driver ages.

2022 Tesla Model X Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,078$840
17$9,853$821
18$8,999$750
19$8,128$677
20$6,270$523
21$5,984$499
22$5,386$449
23$4,360$363
24$4,146$346
25$3,370$281
30$3,102$259
35$2,966$247
40$2,892$241
45$2,694$225
50$2,542$212
55$2,374$198
60$2,382$199
65$2,544$212
70$2,712$226
75$3,150$263
80$3,874$323

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Tesla Model X trim levels.