According to the Insurify studywhich is based on 97 million insurance quotescosts one comprehensive insurance for the Tesla Cybertruck an average of 3,392 US dollars per year.
🔹 That's 45% more than the national average of $2,336
🔹 Higher than the average insurance cost for e-cars ($2,892 per year)
🔹 Reason for the high cost: High purchase price, expensive repairs & unique design
🚗 Conclusion:
The Cybertruck is more expensive to insure than an average electric carbut remains cheaper than others Tesla-models.
📊 Why is Cybertruck insurance cheaper than other Teslas?
Despite its high base price of $74,490 the insurance for the Cybertruck is cheaper than for the Model 3, Model Y, Model X and Model S.
| Tesla-model | Insurance costs per year (USA) |
|---|---|
| Tesla Model 3 | 4.347 $ |
| Tesla Model Y | 3.832 $ |
| Tesla Model X | 3.658 $ |
| Tesla Model S | 3.510 $ |
| Tesla Cybertruck | 3.392 $ |
🔍 Why is that?
1️⃣ Older & more experienced drivers
- 50% of Cybertruck owners are over 40while only 14 % of Model 3-drivers are in this age group.
- Older drivers have more stable insurance histories → lower premiums.
2️⃣ Robust stainless steel body
- The Cybertruck is very robust due to its stainless steel exoskeleton construction makes the Cybertruck less susceptible to hail or dent damage.
- This reduces the risk of damage for insurers.
🚗 Conclusion:
The more stable driver's group and the robust exoskeleton ensure lower insurance costs than with other Tesla-models.
⚡ Comparison: Tesla Cybertruck vs. Ford F-150 Lightning insurance costs
The Cybertruck's biggest competitor is the Ford F-150 Lightningwhich is also a electric pickup has also established itself.
| Model | Insurance costs per year (USA) | Base price |
|---|---|---|
| Tesla Cybertruck | 3.392 $ | 74.490 $ |
| Ford F-150 Lightning | 3.193 $ | 62.995 $ |
🔹 The Cybertruck is about $200 per year more expensive to insure than the F-150 Lightning.
🔹 Reason: Higher purchase price & more complex repairs of the Cybertruck.
🔹 The Ford F-150 Lightning is a more "conventional" choice for insurers, resulting in lower premiums.
🚗 Conclusion:
While the F-150 Lightning offers more favorable insurance coststhe Cybertruck remains the best value due to its better performance & unique design. remains the more interesting option for many buyers.
📈 Will insurance costs for the Cybertruck rise or fall in the future?
📌 What influences future costs?
🔹 More Cybertrucks on the road → Insurers collect more data → Adjustment of premiums
🔹 Tesla-Software updates & security improvements could lead to lower insurance rates in the long term
🔹 If the Cybertruck turns out to be particularly susceptible to damage, premiums could rise
🚗 Conclusion:
Insurance premiums are currently difficult to predict. Tesla-However, specific tariffs or further autopilot improvements could reduce costs in the long term.
📌 Conclusion: How does the Cybertruck fare in terms of insurance costs?
✅ 45% more expensive than the US average, but cheaper than others Tesla-models
✅ Older drivers & robust exoskeleton reduce insurance risk
✅ Cheaper than a Model 3 or Model Y, but more expensive than the Ford F-150 Lightning
✅ Future uncertain - software updates & long-term data could influence costs
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