Some Cybertruck owners have reported insurance non-renewals or trouble finding coverage, but the available evidence does not show that insurers broadly refuse to insure the vehicle. Fortune reported that GEICO said on October 7, 2024, that it had Cybertruck coverage available nationwide. That historical statement does not guarantee a quote today or eligibility for any particular driver.
Are insurance companies refusing to cover the Cybertruck?
There is no reliable published count of insurers that refuse Cybertruck coverage or of how often policies are non-renewed. An individual non-renewal is evidence about that policy, not proof of a carrier-wide ban or an industry-wide refusal.
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Fortune reported that GEICO said it “has coverage available nationwide for the Tesla Cybertruck.” That was a company statement reported on October 7, 2024; it is not a promise of current availability, a quote, or acceptance for every vehicle, driver, and state. Fortune’s report on GEICO’s Cybertruck coverage
Separately, Insurance Business reported an individual GEICO non-renewal. A carrier can have coverage available while declining to renew a particular policy: underwriting decisions can depend on the customer, vehicle, location, and policy circumstances. The reported non-renewal does not establish a general GEICO ban. Insurance Business’s report on an individual non-renewal
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Why might a Cybertruck policy be non-renewed?
A 2025 Torque News article reproduced wording from a Hanover notice shared by an owner. The notice said Hanover was unable to “adequately rate and underwrite” the 2024 Cybertruck, citing limited production and what it described as extraordinary repair or replacement expense under comprehensive or collision coverage. Torque News said it had sought further explanation; the reviewed evidence does not independently authenticate the notice or establish a broad Hanover policy. Torque News’s report on the owner-shared Hanover notice
That account suggests why a particular insurer might have difficulty pricing or covering a vehicle, but it should not be treated as a verified explanation for other carriers’ decisions. The available reporting does not establish a single industry-wide reason for non-renewals.
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How much does Cybertruck insurance cost?
The Zebra displayed annual estimates of $4,116 for a 2024 Cybertruck and $4,276 for a 2025 Cybertruck when its page was accessed in 2026. The site says its displayed rates are based on a 30-year-old male driver with no violations in 2025. These are modeled estimates, not personalized quotes or premiums every Cybertruck owner should expect; rates can vary by state, driver, and insurer. The Zebra’s Cybertruck insurance estimates
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Where can you look for a quote?
Ask insurers about your exact vehicle and policy
Request quotes for the specific Cybertruck, state, and drivers to be insured. Ask whether the carrier is considering a new policy or a renewal, then compare the proposed premium and deductible, comprehensive and collision limits and valuation terms, and any rental, roadside, or repair-network provisions. The available sources do not establish standardized terms across carriers, so compare the actual policy documents rather than relying on a general statement that a company covers Cybertrucks.
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Check Tesla Insurance availability
Tesla’s support page listed Tesla Insurance in 14 states when accessed in 2026: Arizona, California, Colorado, Florida, Illinois, Indiana, Maryland, Minnesota, Nevada, Ohio, Oregon, Tennessee, Texas, Utah, and Virginia. Tesla says customers can purchase a policy through a Tesla Account or the app, and notes that its real-time insurance product is not available in California. State availability and terms can change, and being in a listed state does not guarantee a quote; verify availability and request a personalized price directly. Tesla Insurance availability and support
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What to do if your insurer will not renew
- Read the notice closely. Confirm the non-renewal date, the stated reason, and whether the insurer identifies a way to appeal or provide additional information.
- Contact the insurer. Ask whether the decision applies only to your policy or reflects a broader underwriting change, and whether any information or policy changes could affect the decision.
- Shop before the end date. Request quotes from other insurers and, if available in your state, Tesla Insurance. Make sure the new policy’s effective date prevents a lapse in required coverage.
- Compare the coverage, not just the premium. Check deductibles, comprehensive and collision terms, vehicle valuation, and any rental, roadside, or repair-network provisions before choosing a policy.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
