Cheapest Tesla Cybertruck Insurance in 2025 (10 Most Affordable Companies)
Amica, Allstate, and Geico lead the market for the cheapest Tesla Cybertruck insurance. These insurers have the best insurance for Tesla models, protecting the Cybertruck's unique technology and safety features. Rates start at just $125 a month with Amica, and Allstate rewards safe drivers with 18% discounts.
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Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: May 16, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: May 16, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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11,638 reviewsCompany Facts
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19,116 reviewsCompany Facts
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19,116 reviewsAmica, Allstate, and Geico offer the cheapest Tesla Cybertruck insurance, starting at $125 monthly. Amica gives back yearly dividends to lower Cybertruck insurance costs.
Our Top 10 Company Picks: Cheapest Tesla Cybertruck Insurance| Company | Rank | Monthly Rates | EV Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $125 | 18% | Competitive Rates | Amica |
 | #2 | $130 | 20% | Usage-Based Insurance | Allstate |
 | #3 | $135 | 20% | Digital Tools | Geico |
 | #4 | $138 | 14% | New Car Replacement | Travelers |
 | #5 | $140 | 22% | Comprehensive Coverage | American Family |
 | #6 | $145 | 35% | Local Support | State Farm |
 | #7 | $150 | 15% | Pet Coverage | Progressive |
 | #8 | $160 | 17% | Guaranteed Value | Farmers |
 | #9 | $164 | 18% | Lifetime Repairs | Liberty Mutual |
 | #10 | $170 | 15% | Locked-In Rates | Erie |
Allstate rewards safe drivers with usage-based discounts, and Geico provides highly rated digital tools to help drivers find cheap Tesla Cybertruck insurance online. These companies know what coverage owners need for its high-tech systems and expensive replacement parts.
Our Cybertruck insurance review shows significant price differences between basic and full coverage, with rates doubling from $125-$170 monthly for minimum protection to $250-$340 a month for full coverage (Read More: How much does Tesla Model Y insurance cost?).
- Amica offers the cheapest Tesla Cybertruck insurance at $125 per month
- Liberty Mutual offers Cybertruck owners the highest anti-theft discount at 35%
- Cybertruck insurance issues often stem from the vehicle’s advanced technology
Taking advantage of Tesla insurance discounts, especially bundling options, is key. Enter your ZIP code to find out if you can get a better deal on Cybertruck insurance.
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#1 – Amica: Top Overall Pick
Pros
- Cheap Cybertruck Insurance: Minimum insurance coverage for Tesla Cybertrucks starts at $125 per month, while full coverage remains affordable at $250 monthly.
- Membership Dividends: Policyholders receive annual dividends that effectively reduce Cybertruck insurance costs per month for long-term customers.
- Award-Winning Service: Consistently ranked highest in customer satisfaction and financial stability, providing peace of mind when dealing with Cybertruck insurance issues.
Cons
- Higher Initial Premiums: Rates can be relatively high for new Tesla Cybertruck insurance cost estimates (Read More: Does Amica Mutual Insurance offer OEM parts coverage?).
- Limited Availability: Not available in all states, potentially leaving some drivers unable to access their cheapest Tesla Cybertruck insurance options.
#2 – Allstate: Cheapest Usage-Based Rates
Pros
- Innovative UBI Program: Allstate Drivewise uses telematics to tailor rates based on actual driving behavior. Learn more in our Allstate auto insurance review.
- Extensive Local Agent Network: Offers personalized service through local agents, which benefits customers who prefer face-to-face interaction about cybertruck insurance concerns.
- Claim Satisfaction Guarantee: Provides refunds if you’re unhappy with your claim experience, adding confidence when choosing the cheapest Tesla Cybertruck insurance.
Cons
- Add-on Costs: Many valuable features require purchasing additional riders, potentially increasing Tesla Cybertruck insurance costs beyond advertised rates.
- Policy Complexity: Reddit discussions suggest that the wide range of options available to new owners managing Cybertruck insurance costs can be overwhelming.
#3 – Geico: Best For Digital Tools
Pros
- Superior Digital Tools: Excellent resources for managing policies and claims online, streamlining the Cybertruck insurance Geico customer experience.
- Easy Quote Process: A simple and quick quote system helps drivers compare Tesla Cybertruck insurance costs with minimal hassle.
- Military Discounts: As mentioned in our Geico auto insurance review, it offers significant savings for active and retired military members with Tesla Cybertrucks.
Cons
- Customer Service Variability: Some customers report inconsistent service quality, which can be challenging when dealing with Cybertruck insurance issues.
- Limited Customization: There are fewer coverage options than other providers offering the best insurance for Tesla vehicles.
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#4 – Travelers: Cheapest New Car Replacement
Pros
- New Car Replacement: This policy provides full replacement value for new Cybertrucks if totaled within the first five years.
- IntelliDrive Program: Travelers usage-based program rewards safe driving habits to reduce Tesla Cybertruck insurance costs. Learn more in our Travelers auto insurance review.
- Decreasing Deductibles: This plan features diminishing deductibles for claim-free drivers, reducing out-of-pocket costs if filing a Cybertruck insurance claim.
Cons
- Higher Base Rates: Initial quotes often start higher before discounts, affecting first-time Cybertruck insurance cost per month estimates.
- Claims Process Complexity: The claims procedure can be lengthy and complicated, potentially leading to delays if Cybertruck insurance is canceled unexpectedly.
#5 – American Family: Cheapest Comprehensive Coverage
Pros
- EV-Specific Coverage: Specialized protection for electrical components addresses unique Cybertruck insurance issues (Read More: American Family Insurance Review).
- KnowYourDrive Program: Uses telematics to offer discounts of up to 20% based on driving habits, directly reducing the cheapest Tesla Cybertruck insurance rates.
- Diminishing Deductible: Safe driving is rewarded by reducing deductibles by $100 annually without a claim, which is beneficial for cautious Cybertruck owners.
Cons
- Regional Limitations: Coverage quality varies significantly by state, affecting how much Tesla insurance costs monthly, depending on location.
- Customer Service Satisfaction: Less satisfactory interactions were reported by some policyholders, impacting the Cybertruck insurance claims experience.
#6 – State Farm: Best for Local Support
Pros
- Local Agent Support: As highlighted in our State Farm insurance review, Tesla drivers get personalized service through dedicated agents.
- Drive Safe & Save Program: State Farm UBI uses telematics to track driving behavior and reward safe drivers with the cheapest Tesla Cybertruck insurance.
- Robust Roadside Assistance: Comprehensive emergency services are included with policies, addressing roadside Cybertruck insurance issues immediately.
Cons
- Technology Integration Challenges: Cybertruck drivers could get frustrated by less advanced digital tools for managing policies than other tech-focused carriers.
- Rate Increases After Claims: Despite initially having the cheapest Tesla Cybertruck insurance, significant premium hikes are possible after filing claims.
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#7 – Progressive: Cheapest Pet Coverage
Pros
- Pet Injury Coverage: Includes protection for pets injured in accidents, a unique feature not mentioned in Cybertruck insurance cost Reddit discussions.
- Snapshot Program: Telematics tailors rates based on real-time driving behavior, potentially reducing Cybertruck insurance costs per month. Learn more about this program in our Progressive auto insurance review.
- Name Your Price Tool: This tool allows customers to find coverage options within their budget constraints, which helps find the cheapest Tesla Cybertruck insurance.
Cons
- Variable Pricing: Snapshot UBI can result in higher rates for those with less-than-perfect driving habits, affecting Tesla Cybertruck insurance costs.
- Inconsistent Claims Handling: Some negative reviews regarding claims processing can affect satisfaction if Cybertruck insurance issues arise.
#8 – Farmers: Cheapest Guaranteed Value Coverage
Pros
- Guaranteed Value Coverage: Provides agreed-upon value rather than the depreciated value, protecting against Cybertruck insurance canceled coverage gaps.
- Signal Program: This usage-based program monitors driving habits through a smartphone app to offer discounts for the cheapest Tesla Cybertruck insurance.
- Vanishing Deductibles: Reduces collision deductibles by $50-$100 annually for each claim-free period. More information is available in our Farmers insurance review.
Cons
- Higher Initial Premiums: Without qualifying for multiple discounts, base rates exceed many competitors’ costs for Tesla Cybertruck insurance comparisons.
- Policy Customization Limitations: Less flexibility in tailoring coverage to specific needs than other providers.
#9 – Liberty Mutual: Best For Lifetime Repairs
Pros
- Lifetime Repair Guarantee: This guarantee covers repairs from approved shops for as long as you own your Cybertruck.
- RightTrack Program: Sign up for usage-based auto insurance that uses telematics to provide personalized Tesla insurance discounts based on driving patterns.
- New Car Replacement: Provides complete replacement rather than depreciated value for totaled Cybertrucks (Read More: Liberty Mutual Auto Insurance Review).
Cons
- Premium Increases: Customers reported more significant rate hikes for policy renewals than with other Tesla Cybertruck insurance companies.
- Customer Service Consistency: Reports of inconsistent customer service experiences can affect satisfaction during insurance claims.
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#10 – Erie: Best for Locked-In Rates
Pros
- Rate Lock Program: Locks in your premium rate, preventing unexpected increases in Tesla Cybertruck insurance costs.
- Auto Security Endorsement: As mentioned in our Erie auto insurance review, the endorsement covers personal items stolen from your Cybertruck.
- Auto Plus Add-On: This plan includes a diminishing deductible and increased limits to address common Cybertruck insurance issues with price and coverage.
Cons
- Limited Geographic Availability: Only available in 12 states, restricting access to Tesla Cybertruck insurance options for many drivers.
- Fewer Digital Tools: Less robust website and mobile app capabilities for managing Cybertruck insurance online than tech-focused competitors.
The Cost of Insuring a Cybertruck
Finding cheap Tesla car insurance involves comparing minimum and full coverage policies. Monthly rates vary from $125 to $170 for minimum coverage and $250 to $340 for full coverage among top insurers.
Tesla Cybertruck Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $130 | $260 |
| $140 | $280 |
| $125 | $250 |
| $170 | $340 |
| $160 | $320 |
| $135 | $270 |
| $164 | $320 |
| $150 | $300 |
| $145 | $290 |
| $138 | $276 |
Amica has the best rates, with minimum coverage costing $125 per month, followed closely by Geico at $135 a month.
Drivers who need full coverage should also shop with Amica, which leads again with full coverage at $250 a month — far lower compared to rivals such as Erie Insurance, which costs $340 for a similar level of protection.
Tesla’s groundbreaking electric truck requires specialized insurance that safeguards its distinctive features and cutting-edge technology, which raises insurance rates, but it’s additional safety features can help you qualify for discounts that lower Cybertruck insurance rates.
Read More: How to File a Car Insurance Claim With Tesla Insurance
Tesla Cybertruck Insurance Coverage Options
Understanding what your coverage actually covers when insuring such an unusual car as the Cybertruck is important. With its unusual shape and advanced technology, even standard coverage may not have all the necessary protection.
- Liability Coverage: Insures bodily injury and property damage to others, mandatory in all states with suggested limits of 100/300/100.
- Collision Coverage: Covers repairs to Cybertruck after accidents irrespective of fault, necessary because of the vehicle’s specialized parts and one-of-a-kind exoskeleton.
- Extensive Coverage: Covers against non-collision damages such as theft, vandalism, fire, and weather damage that may ruin costly Cybertruck technology.
- Battery and Electric Component Protection: Comprehensive protection for the Cybertruck’s high-voltage battery, charge equipment, and electrical components not included in standard policies.
- Uninsured/Underinsured Motorist Coverage: Helps you if struck by an underinsured driver, essential on high-priced cars such as the Cybertruck.
For Cybertruck insurance, Reddit users indicated that premiums were expensive even after applying discounts. An owner’s experience is a good indication of what new owners will pay for insurance on Tesla’s quirky electric pickup.
Comment
byu/TheRealMoash from discussion
incybertruck
These coverage items should be carefully considered when going shopping for quotes. Full coverage and electric component coverage were specifically cited by Reddit participants as giving them peace of mind even with the additional cost.
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Cybertruck Insurance Discounts
Finding the cheapest Tesla Cybertruck insurance depends on understanding the top insurance companies’ discounts. Stacking these discounts will reduce the overall Cybertruck insurance monthly price, making high-cost full coverage much more affordable.
Tesla Cybertruck Insurance Discounts From Top Providers| Company | Anti-Theft Device | Bundling | EV Discount | Good Student | Loyalty | Safe Driver |
|---|---|---|---|---|---|---|
| 10% | 25% | 20% | 22% | 15% | 18% |
| 25% | 25% | 22% | 20% | 18% | 18% |
| 18% | 30% | 18% | 20% | 13% | 15% |
| 15% | 25% | 15% | 15% | 10% | 15% |
| 10% | 20% | 17% | 15% | 12% | 20% |
| 25% | 25% | 20% | 15% | 10% | 15% |
| 35% | 25% | 18% | 12% | 10% | 20% |
| 25% | 10% | 15% | 10% | 13% | 10% |
| 15% | 17% | 35% | 35% | 6% | 20% |
| 15% | 13% | 14% | 8% | 9% | 17% |
These discount rates will majorly impact your current Tesla Cybertruck insurance premium. For example, Amica’s bundling discount (30%), along with its competitive base rates, can provide the lowest Tesla Cybertruck insurance quotes overall.
Brandon Frady Licensed Insurance Agent
Liberty Mutual boasts the best anti-theft system car insurance discount of 35%, while Allstate and Geico have competitive 20% discounts for electric vehicles. State Farm has the biggest EV insurance discount of 35%.
In addition to conventional discounts, Cybertruck owners also enjoy substantial EV-specific discounts, such as federal tax credits of up to $7,500, state rebates of $1,000-$4,500, utility company incentives, and exclusive EV insurance rates that can save them thousands of dollars a year on their cost of ownership (Learn More: Best Electric Vehicle Car Insurance Discounts).
Getting Cheap Cybertruck Insurance
Amica, Allstate, and Geico have the cheapest Tesla Cybertruck insurance, along with big discounts for EVs, safe drivers, and military members.
We’ll help you protect your home court, so you can keep working on your highlight reel. @jaytatum0 pic.twitter.com/H5lPPbBG6n
— Amica Insurance (@Amica) March 13, 2025
Amica offers beneficial membership dividends that pay back policyholders for a portion of premiums. Allstate’s Drivewise discounts provide cheap telematics auto insurance based on actual driving habits, and Geico offers practical digital tools that simplify the insurance process.
Cybertruck insurance issues like high costs can be minimized by taking advantage of providers’ anti-theft and bundling discounts, which can reduce costs by as much as 35%. Start comparing Tesla Cybertruck insurance rates by entering your ZIP code here.
Frequently Asked Questions
What is the cheapest Tesla insurance?
Amica offers the cheapest Tesla Cybertruck insurance, with a minimum coverage of $125 per month, followed by Allstate at $130 and Geico at $135 monthly.
What is the Tesla insurance discount?
Tesla Cybertruck insurance discounts vary by provider, with Liberty Mutual offering up to 35% for anti-theft devices, Amica providing 30% for bundling policies, and State Farm giving 35% for good students.
Read More: Best Good Student Car Insurance Discounts
Why is Tesla car insurance more expensive?
Tesla Cybertruck insurance costs more due to the vehicle’s advanced technology, expensive replacement parts, specialized repair requirements, and high overall vehicle value than conventional trucks. Enter your ZIP code to compare cheap Tesla insurance quotes near you.
How long do Tesla batteries last?
Tesla Cybertruck batteries are expected to last 300,000-500,000 miles before significant degradation, which can impact long-term insurance costs due to potential replacement expenses.
How much is a Tesla Cybertruck monthly?
A Tesla Cybertruck costs between $60,000 and $100,000, depending on the model, and monthly payments range from $800 to $1,500, depending on the down payment and loan terms. Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
Does the Cybertruck qualify for multi-car insurance discounts?
Adding a Cybertruck to an existing policy can qualify for 10-25% multi-vehicle discounts, potentially making it the cheapest Tesla Cybertruck insurance option for current Tesla owners (Read More: Car Insurance for Multiple Cars: The Multi-Car Discount).
Is Cybertruck a two-seater?
No, the Tesla Cybertruck is not a 2-seater. It comes in configurations for 5 or 6 passengers, which affects insurance classifications and potential premiums.
How much does it cost to charge a Cybertruck?
Charging a Tesla Cybertruck costs approximately $10-$15 for a full charge at home, which is relevant to overall ownership costs when considering insurance expenses.
How can I save money on Tesla Cybertruck insurance?
You can save on Cybertruck insurance by installing anti-theft devices (up to 35% off), bundling policies (up to 30% off), maintaining a clean driving record, and enrolling in usage-based auto insurance programs.
Are there special insurance considerations for Cybertruck’s stainless steel exterior?
Yes, the Cybertruck’s unique stainless steel exterior requires specialized repair techniques that some insurers account for in their cheapest Tesla Cybertruck insurance policies with specific coverage options. Learn the difference between agreed value and actual cash value to ensure your Cybertruck is covered properly.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.