Cybertruck Insurance Cost: Average Rates & What Drives Them

The Cybertruck is unlike other pickups. Its body panels are stainless steel rather than painted steel, its design is angular, and it is an electric truck with a large battery. Insurers have fewer years of claims data on it than on a Ford F-150 or a Toyota Tacoma, and uncertainty tends to be priced in. Repairs may require parts and technicians from Tesla's network, so labor and wait times can be longer than on a common truck.

Sources report this vehicle on different bases. Annual figures and monthly figures appear in different sections of this page, and they should not be compared with each other directly.

All numbers in this table are annual. The Cybertruck sits above the national full coverage average for all vehicles.

MoneyGeek puts the annual full coverage average at $2,757/yr. NerdWallet lists $3,024/yr. NerdWallet's number comes from its analysis of a base model for good drivers with good credit, which is one reason it can differ from a figure that averages more vehicles and driver types.

A body made of thick stainless steel is hard to work with. Panels may not be fixed by the usual methods used on a painted steel truck, and replacement parts are specific to the model. Some shops will not touch it. Because the vehicle is new, a repair shop may need to order parts that are not in stock. These realities appear on claims as longer rental periods and higher repair estimates.

Total losses are also a risk. If the repair cost approaches the truck's value, an insurer may total it instead of repairing it, so check how your policy treats that case and whether gap coverage is relevant if you finance. A licensed insurance agent can explain that.

MoneyGeek lists a monthly average of $234/mo for a 2025 Cybertruck, and notes that older versions average less. It is the only model year that has enough data for a separate line.

MoneyGeek reports GEICO at $122/mo and State Farm at $184/mo. NerdWallet reports median monthly rates of $246/mo for GEICO and $328/mo for State Farm. The two sources use different methods, so the same insurer shows different numbers.

Location is a huge factor. Louisiana averages $510/mo, California $222/mo, and Hawaii $126/mo.

• Which repair shops in my area can work on a Cybertruck, and does the insurer have a preferred network?
• Is the policy based on actual cash value or an agreed amount?
• How are accessories such as bed covers, roof racks, and wheels handled?
• Is roadside assistance or towing included, given the truck's weight?
• Does the carrier cover a home charger or charging cable?

Truck owners who use the vehicle for work should also tell the agent, since business use can require a commercial policy. Towing and hauling heavy loads is part of that conversation, because a trailer or a loaded bed can change how liability is handled.