Cheap Tesla Cybertruck Insurance in 2025 [10 Most Affordable Companies] – CarInsurance.org

Cheapest: Progressive

13,283 reviews

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Pros & Cons

• Affordable Rates for Most Drivers
• Robust Digital Tools
• UBI Program Snapshot
• Generous Discounts

• Low Customer Loyalty
• Unexpected Rate Increases
• Snapshot Can Increase Rates

13,283 reviews

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2nd: State Farm

18,155 reviews

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Pros & Cons

• Affordable car insurance rates
• Local State Farm agents
• Multiple car insurance discounts

• Low financial stability rating
• Doesn’t sell modified car insurance

18,155 reviews

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3rd: Geico

19,116 reviews

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Pros & Cons

• 24/7 customer support with an easy-to-use mobile app
• Discounts for bundling and multiple vehicles
• Accident forgiveness program available for eligible drivers
• Highly rated for claims satisfaction by many customers

• Higher rates for drivers with a history of accidents
• Limited local agent availability compared to other insurers
• Rate increases reported after the initial policy term

19,116 reviews

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Progressive, State Farm, and Geico offer cheap Tesla Cybertruck insurance, and Progressive stands out as the most affordable option, starting at $205 per month.

Our Top 10 Company Picks: Cheap Tesla Cybertruck Insurance

State Farm is the best family-friendly choice, offering multi-car discounts, accident forgiveness, and strong customer support for households with multiple drivers.

Geico provides online convenience with its fast digital claims process, easy policy management through its mobile app, and 24/7 virtual assistance, making it the best option for tech-savvy drivers.

Just the Basics

• Find cheap Tesla Cybertruck insurance rates that start at $205 a month
• Progressive is the top pick for custom plans and flexible coverage
• State Farm provides multi-car and accident forgiveness benefits

Cybertruck insurance rates are usually higher, but when you get insurance for an electric car, you can still save with safe driver programs, bundling, and EV discounts. Just enter your ZIP code to quickly compare the cost of Cybertruck insurance from top providers near you.

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#1 – Progressive: Top Overall Pick

Pros

• Snapshot Program: Tesla Cybertruck owners can use Progressive’s Snapshot program to earn discounts based on safe driving habits like smooth braking and low mileage.
• Cheapest Minimum Coverage Rate: At $205 a month, Progressive has the lowest Tesla Cybertruck insurance rates among major providers.
• Discounts for Safe Drivers: The Snapshot program tracks driving habits and can lower rates for Cybertruck owners with safe driving records.  Learn how in our Progressive review.

Cons

• Expensive for Risky Drivers: Drivers with past accidents or speeding tickets may see higher rates compared to other Tesla Cybertruck insurance companies.
• Mostly Online Services: Progressive Cybertruck insurance has fewer in-person agents, which may not work for Tesla owners who prefer face-to-face service.

#2 – State Farm: Best for Reliable Service

Pros

• Great Customer Support: Tesla Cybertruck owners can get help from thousands of local State Farm agents and a 24/7 claims center.
• Affordable Minimum Coverage Rate: At $215 monthly, State Farm offers low-cost Tesla Cybertruck insurance.
• Big Savings for Families: As per our State Farm review, Cybertruck owners can save with multi-car discounts, student discounts, and accident-free rewards.

Cons

• Financial Stability: State Farm’s financial ratings change more often than other Tesla Cybertruck insurance companies on this list, which could impact claims payouts.
• Higher Full Coverage Costs: Tesla Cybertruck owners may pay more for full coverage compared to companies like Geico or Travelers.

#3 – Geico: Best for Online Convenience

Pros

• Easy Online and Mobile Access:  File Tesla Cybertruck insurance claims, pay bills, and manage policies easily through Geico’s website and mobile app.
• Low-Cost Insurance: Compare rates in our Geico review because it offers cheap Tesla Cybertruck insurance at $220 a month for minimum coverage.
• Good Discounts for Military and Safe Drivers: Cybertruck owners can save money with defensive driving discounts, military savings, and multi-policy bundling.

Cons

• Limited Coverage for EVs: Unlike Progressive, Cybertruck insurance with Geico does not offer extra coverage like battery protection or special roadside assistance.
• No In-Person Agents: Tesla Cybertruck drivers must rely on online and phone support, as Geico does not have many local offices.

#4 – Allstate: Best for Extra Benefits

Pros

• Added Perks for Policyholders: Tesla Cybertruck owners get new car replacement, accident forgiveness, and roadside assistance with Allstate.
• Competitive Minimum Coverage Rates: Tesla Cybertruck insurance starts at $225 a month. Compare free quotes in our Allstate car insurance review.
• Cashback for Safe Driving: Tesla Cybertruck drivers can earn money back every six months if they stay accident-free.

Cons

• Higher Rates for Some Drivers: Tesla Cybertruck owners with a bad driving history may face higher premiums compared to Geico or State Farm.
• Some Discounts Are Limited by Location: Certain Cybertruck insurance discounts, like the Drivewise program, are not available in all states.

#5 – Nationwide: Best for Bundling Deals

Pros

• Big Savings for Bundling: Tesla Cybertruck owners who combine home and auto insurance with Nationwide can get up to 20% off (Read More: Nationwide Car Insurance Review).
• Decent Minimum Coverage Rate: At $230 per month, Nationwide offers affordable Tesla Cybertruck insurance, especially for homeowners bundling policies.
• Lower Prices for Accident-Free Drivers: Cybertruck owners with a clean record for five years can qualify for additional discounts.

Cons

• Not the Cheapest Standalone Option: Tesla Cybertruck auto insurance rates are cheaper with Progressive or Geico.
• Limited Tech-Based Discounts: Nationwide SmartRide safe-driving discount for Tesla Cybertrucks is not available in all states.

#6 – Travelers: Best for Safe Drivers

Pros

• Good Discounts for Safe Drivers: Tesla Cybertruck owners can get lower rates through Travelers’ IntelliDrive program, which tracks safe driving habits.
• Fair Minimum Coverage Rate: At $235 a month, Travelers provides Tesla Cybertruck insurance at a reasonable price, especially for low-risk drivers.
• Discounts for Hybrid and Electric Vehicles: Cybertruck owners can save money with Travelers’ EV and hybrid vehicle discount. See full details in our Travelers car insurance review.

Cons

• Higher Rates for Risky Drivers: Tesla Cybertruck owners with accidents or traffic violations may face higher premiums with Travelers.
• Not All Discounts Are Available Everywhere: Some Tesla Cybertruck insurance savings from Travelers depend on state availability.

#7 – Liberty Mutual: Best for Flexible Plans

Pros

• Customizable Policies: Tesla Cybertruck owners can adjust their coverage and deductibles with Liberty Mutual’s flexible options. Read up on your options in our Liberty Mutual review.
• Good Discounts Available: At $245 a month for minimum coverage, Liberty Mutual offers Tesla Cybertruck insurance with bundling and safe-driving discounts.
• RightTrack Program for Safer Driving: Cybertruck owners who drive safely can get extra discounts through Liberty Mutual’s RightTrack program.

Cons

• Higher Rates for Some Drivers: Tesla Cybertruck insurance rates can be expensive for drivers with previous claims or tickets.
• Fewer Local Agents: Unlike State Farm, Liberty Mutual has fewer in-person offices, limiting Tesla Cybertruck customer service to mostly online or by phone.

#8 – Farmers: Best for Comprehensive Options

Pros

• Comprehensive Coverage Options: Farmers offers Tesla Cybertruck owners strong full coverage plans, including rental car reimbursement and collision insurance.
• Extra Savings for Homeowners and Safe Drivers: Cybertrucks get home and auto bundling discounts or reduced rates for accident-free driving. Learn more in our Farmers review.
• Long List of Insurance Discounts: Farmers offers more car insurance discounts for Tesla Cybertrucks than other providers.

Cons

• More Expensive for Full Coverage: Tesla Cybertruck full coverage insurance rates tend to be higher than some competitors like Progressive or Geico.
• Safe Driver Discount Requires an App: To qualify for the Signal safe-driving discount, Cybertruck owners must use the mobile app often.

#9 – American Family: Best for Discount Options

Pros

• Fair Minimum Coverage Rates: At $255 a month, American Family provides affordable Tesla Cybertruck insurance for drivers who qualify for discounts.
• Lots of Discounts Available: Tesla Cybertruck owners can save money with multi-policy, defensive driving, loyalty, and low-mileage discounts.
• Savings for Early Renewals and Low Mileage: Cybertruck drivers who renew early or drive less than average can access more savings. Learn how in our American Family review.

Cons

• Not Available in Every State: American Family does not offer Tesla Cybertruck insurance in all states.
• Less Advanced Online Features: Compared to Geico or Progressive, American Family’s online tools and mobile app have fewer features.

#10 – Farm Bureau: Best for Rural Drivers

Pros

• Good Choice for Rural Drivers: Farm Bureau Cybertruck insurance works well for drivers in remote areas or who also own farming vehicles.
• Extra Perks for Members: Farm Bureau members get discounts on travel, vehicle services, and roadside assistance. Get full details in our Farm Bureau Insurance review.
• Bundling and Safe Driving Discounts: Tesla Cybertruck owners can bundle home and auto or qualify for good driver savings.

Cons

• Expensive Minimum Coverage: At $260 per month, Farm Bureau is one of the more expensive Tesla Cybertruck insurance providers.
• Membership Fee Required: Tesla Cybertruck drivers must pay an annual fee to get insurance from Farm Bureau.

Comparing Tesla Cybertruck Insurance Rates

Getting insurance for your electric car doesn’t have to break the bank. Insurance costs for the Tesla Cybertruck vary depending on the provider, coverage level, and available discounts. The table below shows a side-by-side comparison of Tesla Cybertruck insurance rates by provider, broken down by minimum and full coverage costs.

Tesla Cybertruck Insurance Monthly Rates by Provider & Coverage Level

Progressive offers the lowest rates at $205 per month for minimum coverage, making it the most budget-friendly option. State Farm and Geico also stand out for their competitive pricing, while Farm Bureau is the most expensive provider on the list, where full coverage can go up to $430 per month.

While price is important, factors such as policy flexibility, customer service, and digital tools can also impact which company is the best fit for Cybertruck owners. Comparing rates across states can also help you identify where you’ll find the best coverage and lowest premiums.

The table below highlights the monthly premiums for Tesla Cybertruck insurance across different states, giving you a clearer idea of where rates are the most affordable.

Tesla Cybertruck Insurance Cost by State

For instance, the Cybertruck insurance cost in California averages $225 per month, while Cybertruck insurance in New York is higher at $258 per month due to the state’s higher population density and accident rates. Texas offers the cheapest Cybertruck insurance at just $192 per month, making it the most affordable state for Cybertruck owners.

Read more: Where can I get cheap full coverage car insurance?

Tesla Cybertruck Insurance Costs vs. Other Tesla Models

The Tesla Cybertruck insurance cost is higher than most other Tesla models, averaging $279 per month. Compared to the Model 3 at $170 per month and the Model Y at $186 per month, the Cybertruck’s insurance is significantly more expensive due to its unique structure, advanced technology, and high repair costs.

Tesla Cybertruck Insurance Rates vs. Other Tesla Models

Even the Model S, which costs $275 per month, has a slightly lower rate than the Cybertruck. Only the Model X at $296 per month surpasses the Cybertruck in terms of insurance cost. Since the Cybertruck price is higher than the Model 3 and Model Y, insurers factor in the potential repair costs and replacement value, which leads to higher premiums.

Finding the cheapest Cybertruck insurance requires comparing quotes from multiple providers and looking for available discounts. Choosing the best insurance for a Tesla Cybertruck depends on factors such as driving habits, location, and desired coverage levels.

While opting for minimum liability coverage may lower the Cybertruck insurance cost per month, full coverage is often recommended due to the truck’s higher price and repair costs. It’s also essential to maintain a clean driving record to avoid having Cybertruck insurance canceled due to risk factors.

Factors That Influence the Cost of Cybertruck Insurance

Several factors impact Tesla Cybertruck insurance rates, with its unique design, advanced technology, and high repair costs playing a significant role. The vehicle’s value and specialized electric components make it more expensive to insure compared to standard trucks.

The table below outlines the key factors that influence Cybertruck insurance rates, helping drivers understand what impacts their premiums.

Common Factors That Impact Car Insurance Rates

However, its strong safety features, including Autopilot and collision avoidance systems, can help offset costs by reducing accident risks. Individual factors like driving history, location, and credit score also affect premiums, as insurers assess risk based on past behavior and financial responsibility.

Learn More: Safe Driving Tips: How to Keep Your Insurance and Car Safe

Best Insurance Coverages for a Tesla Cybertruck

When insuring a Tesla Cybertruck, it’s important to understand the different types of coverage available. While minimum liability coverage is required in most states, full coverage options offer better financial protection for this high-value electric truck.

Since repair costs for the Cybertruck’s unique design and advanced technology can be expensive, many owners opt for comprehensive and collision coverage for added security. Below are the different types of car insurance coverage Cybertruck owners should consider:

• Liability Insurance: Covers bodily injury and property damage if you are responsible for an accident, ensuring financial protection against lawsuits and repair costs for other drivers.
• Collision Coverage: Pays for damage to your Tesla Cybertruck if it’s involved in an accident, regardless of who is at fault, helping cover expensive repair bills.
• Comprehensive Coverage: Protects against non-collision incidents such as theft, vandalism, flooding, and fire, which can be especially important for Cybertruck owners given its high market value.
• Uninsured/Underinsured Motorist Coverage: Ensures that if you’re hit by a driver with little or no insurance, your medical bills and vehicle repairs are covered.
• Gap Insurance: Covers the difference between what you owe on your Tesla Cybertruck loan or lease and its actual cash value if it’s totaled, which is useful due to the truck’s potential depreciation.

Choosing the right Tesla Cybertruck insurance coverage depends on your driving habits, budget, and risk tolerance. Comparing policies can help you find the best balance between affordability and protection.

How to Save Money on Tesla Cybertruck Insurance

Tesla Cybertruck owners can save money on insurance by using different discounts, and some of the cheapest companies offer great ways to lower car insurance costs for electric vehicles. By looking at all available discounts, Cybertruck owners can lower car insurance costs.

Tesla Cybertruck Car Insurance Discounts From Top Providers

Progressive helps drivers save with bundling, multi-vehicle, and its Snapshot usage-based insurance discounts, which saves safe drivers over $200 a year.

State Farm offers one of the biggest discounts for its Drive Safe & Save UBI and Tesla drivers who bundle homeowners or renters policies. Geico offers big 25% discounts for Cybertruck drivers with multiple vehicles and home or renters insurance, making it a great option for families.

From vehicle-specific risks to personal driving habits, insurers consider multiple factors when determining your Cybertruck insurance cost per month. Explore discounts, adjust coverage levels, and find the most affordable insurance options online with quote comparison tools. Enter your ZIP code to get cheap Cybertruck insurance quotes.