Gabriella Ben-Hutta
Editor at Coverager

Insurance quotes for Tesla Cybertruck in Illinois

Anthony Alaniz for Motor1.com estimates that Tesla has delivered 3,878 electric trucks from December last year until April 4, which is more than the total Hummer EVs sold in 2023; GMC sold 3,260 Hummer EVs last year.

As background, the Tesla Cybertruck officially launched on November 30, 2023, at a delivery event held at Gigafactory Texas. This event marked the first deliveries of the vehicle, which had faced several delays since its initial concept unveiling in 2019. The Cybertruck comes in three variants: a single-motor rear-wheel drive (RWD) starting at $57,390, a dual-motor all-wheel drive (AWD) starting at $76,390, and a tri-motor AWD branded as the “Cyberbeast” starting at $96,390, assuming ‘probable savings.’ Otherwise, the cost of the vehicles is higher.

A recent Reddit thread has raised concerns regarding the insurability of the Tesla Cybertruck. Users pointed out that GEICO has included the Cybertruck on its “do not insure” list, which typically features high-end vehicles such as special edition Lamborghinis and Bugattis. This decision means that current GEICO policyholders with a Cybertruck may face non-renewal of their policies. Other users on the thread shared their personal experiences with different insurance providers, shedding light on the broader challenges of insuring this vehicle:

  • “GEICO wouldn’t insure my CT on a regular policy and instead placed it on their commercial line. $266 per month for 6 months ($1599 total). Alabama.”
  • “$107/month on Progressive with Snapshot. Used to be on Tesla insurance before.”
  • “State Farm is selectively dropping CT policies depending on where you live.”
  • “USAA $172/mo for Beast.” – also in Alabama

Insurance rates vary by state and other factors, but a search for Cybertruck quotes in Illinois provides a high-level overview of which companies are not in the market for insuring Cybertrucks.

#1. GEICO

We successfully received a quote for a Cybertruck.

#2. Progressive

We successfully received a quote for a Cybertruck.

#3. Root

We successfully received a quote for a Cybertruck. However, with Root, outside its Carvana distribution channel, a test drive is necessary for coverage beyond 60 days.

#4. Liberty Mutual

We successfully received a quote for a Cybertruck, rideshare coverage included.

#5. Nationwide

The carrier redirected us to Dairyland. To get a Nationwide quote, the shopper must consent to the following:

“By providing my telephone number and clicking “View your quote” I hereby authorize and provide my express written consent to the Nationwide Family of Companies, other selected insurance carriers or business partners (including but not limited to Bindable, Centerfield, Everquote, Insurify, MylifeProtected, QuoteLab, LLC), and their respective agents to contact me for sales and marketing purposes using live operators, automated telephone dialing systems, text messages, automated systems, or prerecorded messages.”

#6. Travelers

Travelers isn’t currently insuring Cybertrucks (at least not via its direct channels), as indicated by its site, which prevents users from selecting this Tesla model during the quoting process.

#7. State Farm

We successfully received a quote for a Cybertruck from State Farm.

#8. Dairyland

We successfully received a quote for a Cybertruck from Dairlyand, a car insurer catering to high-risk drivers.

#9. The General

Car insurer The General, a subsidiary of American Family, isn’t currently insuring Cybertrucks, as indicated by its website, which prevents users from selecting this Tesla model during the quoting process.

#10. Lemonade

Despite a glitch in its web browser that allows bypassing the selection of a Cybertruck model trim to get a car insurance quote, Lemonade shared that while they “love cool cars,” they can’t cover Cybertrucks at this time.