Full Self-Driving (Supervised) Discount - Tesla Insurance

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Looks like if yoy live in Arizona or Twxas yoy can get up to 10% insurance discount by using the hell out of FSD. *To me* this sounds like them incentivizing people using FSD to prove out routes for June.

Well this thread is going to be fun.

Only in Arizona and Texas.

Tesla insurance is still only available in 25% of states? Weren’t they hiring a team of ninja actuaries a few years ago?

Just TX and AZ. Hope this comes to CA. 90% of my driven miles is already on FSD.

\*Arizona or Twxas

Fsd gets me everywhere i go lately. So I'll accept a discount. Thanks.

Man bring this to California LOL, FSD does all my driving.

It's illegal for an insurance company to use real time driving monitoring to set your rates in CA. Look up prop 103 from 1988 for more info.

Good news for me

For better or worse this is the future of driving. Society will be pushed to autonomous driving (partial or full) by insurance companies who will make it too expensive to drive yourself.

This has nothing to do with real-time driving monitoring.

But it does. They have to monitor when and how much you're using FSD to calculate the percentage of the discount. They can't do that. Edit: to clarify a bit: *The 1988 law requires that private auto rates primarily be determined based on the insured's driving record, experience and number of miles driven annually.* This is one of those "they can only use these factors and nothing else" situations. It doesn't matter if how much you're using FSD meets the definition of real-time or not.

They can't, it's illegal under prop 103.

50% on FSD is nothing, the safety section of the app says I’m at 92%. I can also verify FSD is much more safe and cautions than most of the distracted road raging idiots out there.

I had to switch out of Tesla insurance due to the amount of false positive collision warnings.

I’ve been waiting for NJ for 5 years now since they established the LLC in the state (based on public filings). I’ve given up on waiting and at this point I’m not sure if it’s a Tesla problem or my state is red tape hell for offering insurance, or both.

Long term if there is to be any truth to their claim you can put your car to work while you sleep Tesla will need to be in all states as other insurance providers may either forbid it if the bank holding the note won't step in first, or those other insurance providers will charge a proverbial arm and leg.

How long until we see headlines about insurance refusing to pay out for autonomous accidents because the driver wasn't driving?

They don’t need to monitor real-time driving. They can calculate the percentage after your drives.

Where is the safety section in the Tesla app?

I pay $18 bucks a month. I use to pay $70 with progressive. FSD is worth that $99

Ok, but read my edit. They still can't use it. The law says "you can only use items x, y, and z to calculate rates and nothing else". It doesn't matter how it's classified or what you call it if it's not one of those three things.

OK. I was just commenting on your 'real-time' bit.

FSD is really good at handling and doing zipper merges, some of the shit it pulls off is like pure professional. I could not drive like FSD, I am far too much of a defensive driver to try what it attempts

If you are in FSD and a forward collision warning happens it does not count against you. As the vehicle was driving. If you are in manual driving then yeah those warnings will hurt your score.

It’s a section that says ‘safety score’, not everyone has it. More info [here](https://www.tesla.com/support/insurance/safety-score).

With as many people as we've banned for brigading our subreddit over the last couple of weeks, it'll go better than you might think.

This is pretty sick

Thank god for that. Safety score is another way for Tesla to arbitrarily ding you to keep premiums high.

Illegal thankfully.  It's why safety score doesn't count either.

At the time FSD was shitty so I didn’t use it for city streets, a lot of phantom braking

Have they brought it to any states that have direct sales and service bans like SC? Otherwise I may never see it in my state.

And why premiums are higher for everybody as a result, since they can’t give discounts to better drivers.

It's a net zero, but yes some people may have to pay more.

I think the other part of this conversation is that insurance companies will save unheard of amounts of money in the coming years as this technology improves, and likely only pass on a fraction of the savings to customers in whatever form that takes (this, or otherwise).

Understandable, it's gotten much better. I'd say it does 90% of my driving. I typically get 25k miles per year. Unfortunately I have hw3 so no v13 yet, if ever.

Not the bad drivers though. Their premiums are subsidized by the good drivers who pay more for the sake of “fairness”.

Yup, I'm damned glad they can't do it. The number of false positive forward collision warnings I get when I'm driving twisty mountain roads is insane.

Yes, you just described how it is net zero.

Currently offered in 2 states lol

Unfortunately the locations that you manually drive are highly correlated to the places where FSD does something stupid, like cross to the wrong side of the road to avoid a phantom obstacle, which is also correlated to false positive collision warnings. Fortunately the issues of phantom braking on surface streets for us has reduced 90% in the last 2 years.

Dam. I pay 160 with a 96 score. Granted in 21 male and others were 400+ per month

Personally, it leaves the gaps a little tight for my taste when doing a zipper merge. It’s probably a normal gap by the standards of LA or NYC drivers… but drivers in my smaller city probably think “why are you tailgating me so close?” It also occasionally tries to cheat the zipper and get around one more car, to that driver’s annoyance. But this is rare.

I can see how even with 40-60% of all cars being self driven the speeding will almost be eliminated.

Not sure this is exactly new with how T Insurance works with the safety score, you always get a discount with a higher score. Using FSD and getting 99-100 would probably be a similar discount from a score of 90.

I don’t know what it is, but Tesla insurance doesn’t like me. Every time I get a quote is 25% higher than I pay now for less coverage. Even with the FSD discount it would cost me more.

Wait…. You pay $19 a month for insurance? With Tesla insurance?

Yup, I am 34, with a 97 score. But also I only have liability not full coverage.

Ohh! You are not worried only having liability insurance?

Yeah. I’m just driving through my neighborhood. It gives me collision warnings around 2 curves for cars parked on the side of the road. One is right next to my house and since FSD doesn’t pull in my driveway I’m switching to manual and it almost always yells at me.

Car is only worth $15k. It’s a 2018. I worry sometimes but I mostly use fsd all the time

I lost count how many times FSD has almost had me rear-ended by phantom breaking not to mention the road rage people would have at me.

So even with the monthly subscription.. I can save on Tesla insurance?

How about you get a discounted rate of FSD/free per month if you have Tesla insurance. Opens for everyone and not state locked

I don’t get it??? I saw a video someone said it would be like a $50 discount so subscribers would basically pay $50 a month for FSD. Now I see 10%?? So my payment is $150 and I save $15 ??? That ain’t shit lol…. Plus it said ineligible products such as comprehensive coverage and underinsured you will not receive the full 10% discount , like isn’t that important to have???? Someone explain I don’t get it lol

Is there any news of Tesla insurance being available in New Jersey? wtf is the hold up cause I am getting killed by Geico and progressive

As a past user of teslas insurance, don’t go near it. Might be responsible price but if you ever have to make a claim, good luck! Worst customer service I have ever had.

I mean hey, discount is discount. $15 that’s free Amazon prime each month

Yeah so FSD is $85. Not enough for me to pull the trigger. $50 and I’m in!!!

They’ve actually fixed the false warnings in 2024 and changed the weight of them. Even if you get one that’s legitimate now it doesn’t count specific ones based on some undisclosed factors. Seems to be on city streets they have minimal impact.

Many commuters like myself will have no issue with this. I only use it on freeways since it’s stil not good enough to get into correct lanes on city streets for me but that’s more than 50% of my miles for sure

This is pretty goofy logic if you’ve read the actual quotes people are getting over the years, e.g. turning on Real-Time/Safety Score saves people $5-$10/month (the price of your data), before driving like a normal person for one month spikes your rate $40-$80/month. The “discount” for being a safe driver is virtually non-existent and the system functions as a tool to offer you a quote for X and bill you for X++, all while making you think it’s your fault.

Not everyone.. it's lower for bad drivers.

My premiums are lower in CA than Florida. Same car. Same year. Same model.

He doesn’t have full coverage though

that hasn’t been my experience, i avg around 150 a month for 2 cars whereas im quoted 250 a month for half the coverage and only 1 car. and im only getting a 87.

It's gotten way better with 12.6 or 13.2. It still slows down for silly things, but it does hit the brakes, just slows a bit, which I'm fine with.

Need Tesla Insurance available in New York

I suspect this is to incentivize FSD usage for more data collection in states where they want to roll out robotaxi first.

What’s funny is I have to turn it off when driving through areas of NYC because the gaps it leaves are too large and invite others to cut in.

I mean technically he's losing money if you look at his numbers.

Thanks for the info!

For what it’s worth, I used to have this issue all the time but now keeping the warnings on early (like before) almost every time it alarms at me I’m able to slow down enough/fast enough that it doesn’t ding my score. On the contrary, aggressive turning and hard break do ding me much more now. I don’t know if it’s just me and I’m imaging it or what, but thought it’d be worth sharing.

How is that gonna work in states with winter driving lmao

In the nearest term it is going to be like Tesla is doing. If you drive most of the time autonomously, you get a discount. If you don’t, you don’t.

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This post is named incorrectly

How so?

"Full Self Driving". It ain't and never will be. Too many variables.

A big part of rising insurance costs is because of the addition of sensors and cameras to make self-driving possible, which massively increases parts and repair costs. So yes, it's entirely possible that even though there are fewer accidents, when they do happen (which they will continue to happen for many, many years because we'll still have manual driving for decades to come), their savings are offset by extremely high repair costs.

Yeah, you are right. Even if there's fewer accidents, the cars will still be expensive to repair. But there should be a measurable threshold where overall accident numbers go down as autonomous vehicle usage goes up, and the savings from that will be greater than the repair costs to those vehicles. There's also autonomous vehicle competency increasing at an exponential rate each year. Even just with Tesla, they are switching to auto-regressive transformers soon that will predict and anticipate other road users in very sophisticated ways. This should significantly reduce accidents. I imagine this'll also become a "passive" feature, where you drive manually, but the car can take over to save you from an accident. I mean, how soon will these things be reflected in savings after they are introduced.