SAEDNEWS: A Texas Cybertruck owner says State Farm doubled his insurance premium from $400 to $800 a month after firing the agent who underquoted him. His story reveals the growing struggle Cybertruck drivers face in finding affordable coverage.
The Tesla Cybertruck, one of the most polarizing and innovative vehicles on the market, has hit another roadblock — not in its design or performance, but in something far less glamorous: insurance.
For many Cybertruck owners, the excitement of owning Tesla’s futuristic truck is colliding head-on with the reality of skyrocketing premiums. One story in particular — shared by Texas resident Jake Skipper — has sent shockwaves through the Cybertruck community.
Jake claims he was initially quoted $400 per month for insurance through State Farm. But shortly after, another agent informed him that the employee who gave him that rate was “fired for underquoting”, and that his new monthly premium would be $800.
To put this into perspective, $800 a month means nearly $9,600 a year — a staggering amount that actually exceeds the monthly lease payment for some Cybertruck models.
Jake shared his story in the Cybertruck Owners Only Facebook group, sparking an immediate flood of responses. Many couldn’t believe the $800 figure was monthly rather than semi-annual. But Jake confirmed: “per month!”
Other owners began chiming in with their own insurance nightmares:
Michael Adkins: “$800 for 6 months or a month?”
Darrell Daughtry: “GEICO dropped my Cybertruck coverage, and now I’m paying $600 with Progressive.”
Rickey Benns: “State Farm was the only place that would give me Cybertruck insurance.”
Ann McVey: “We switched from Progressive to Tesla because Progressive couldn’t say if FSD would be covered.”
David Patrick Christman: “Tesla insurance wasn’t available in Pennsylvania, and everyone else either didn’t cover the Cybertruck or wanted a huge amount.”
The pattern was clear: Cybertruck owners across the U.S. are finding it difficult, confusing, and expensive to get proper coverage.
Several factors play into these astronomical premiums:
High Repair Costs – The Cybertruck’s stainless steel body is durable but expensive to fix.
Advanced Technology – Features like FSD (Full Self-Driving) raise questions about liability.
Unfamiliarity – Many insurers simply don’t know how to price the risks yet.
This uncertainty means many traditional insurers either refuse coverage or offer quotes that border on unrealistic.
Not all stories are grim. Cybertruck owners who live in states where Tesla Insurance is available report paying dramatically less:
Lance Wade: “I pay $200/month in California for the tri-motor Cybertruck with Tesla insurance. I’m 40 with a clean record.”
Nick Movs: “I pay $125 with Tesla insurance.”
Clearly, Tesla’s own insurance model offers far more affordable options — but it’s only available in select states. Owners in states without Tesla Insurance remain at the mercy of private providers.
The frustration isn’t limited to premiums. Some owners are even re-engineering their trucks when Tesla refuses to provide add-ons. One example: when Tesla wouldn’t sell a range extender, an owner built his own solution, adding nearly 100 miles of extra driving capacity.
Stories like these highlight how Cybertruck ownership is both innovative and challenging — pushing drivers to think outside the box.
This insurance crisis raises serious questions:
Will insurance costs hold back Cybertruck adoption?
Can Tesla expand its insurance program quickly enough to cover more states?
Will traditional insurers adjust once they gain more data on the truck’s safety record?
For now, one thing is clear: the Cybertruck may be futuristic, but insuring it feels like a nightmare from the past.
Jake’s story — from $400 to $800 overnight — is a cautionary tale for would-be Cybertruck buyers. Until Tesla Insurance becomes more widely available, many owners will remain stuck paying sky-high premiums or scrambling to find coverage at all.
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