Tesla Insurance Coverages

Tesla Insurance offers coverage options with various limits and deductibles that can be tailored to your needs. In some states, we also offer additional coverages and discounts. Coverages and discounts may differ by state.

Coverage Types

Vehicle Coverages

Collision - Covers repair or replacement of your insured vehicle for collision-related vehicle damage.
Comprehensive - Covers repair of your insured vehicle for damage caused by anything other than a collision, such as fire, theft, hailstorm, etc.
Rental - Covers reimbursements for expenses incurred to rent a substitute vehicle if a insured vehicle is not in a drivable condition.
Roadside Assistance - Covers towing and other roadside services in case of an accident or emergency.

Liability Coverage

Bodily Injury - Covers medical expenses and lost wages for another person if the insured driver is found at-fault.
Property Damage - Covers repairs or replacement of another person's damaged vehicle and other property (e.g., garage, fence, etc.) if the insured driver is found at-fault.
Uninsured/Underinsured Motorist - Covers the insured driver for injuries and property damage caused by another driver who is at-fault with insufficient or no insurance.

Medical Coverage

Medical Payments - Offered in some states and covers accident-related medical expenses for the insured driver and their respective passengers, regardless of who is at-fault for the accident.
Personal Injury Protection - Offered in some states and provides coverages in a similar way as Medical Payments, but with additional benefits, including reimbursement of lost wages, regardless of who is at-fault for the accident.

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Additional Coverages and Discounts

With Tesla Insurance, you may be eligible for discounts on your monthly premium. Optional coverages may also be available. Select your state to review available discounts and optional coverages:

Arizona
California
Colorado
Florida
Illinois
Maryland
Minnesota
Nevada
Ohio
Oregon
Texas
Utah
Virginia

Arizona

Discounts:

Full Self-Driving (Supervised) Discount - If your Tesla vehicle has FSD (Supervised), you may receive a discount on your insurance premium. The more you drive with FSD (Supervised) enabled, the bigger the discount is on your insurance premium. Learn more about the FSD (Supervised) discount and how it works.
Multi-Car Discount - If you have more than one vehicle insured under the same policy with Tesla Insurance, this discount will automatically be applied to your policy.

Optional Coverage:

Auto Loan/Lease Gap Coverage - If you are leasing or financing your insured vehicle and it is determined to be a total loss or stolen, this coverage applies to the difference between the financed amount owed and the actual cash value of your insured vehicle at the time of the covered loss.

Coverage Updates – Effective April 1, 2025

Effective April 1, 2025, we no longer offer certain coverage limits. If your current coverage limit is no longer available, we will automatically adjust your coverage limit(s) to the closest available limit at your next policy renewal. Refer to the tables below to see if and how your existing coverage(s) may be adjusted. You can accept the changes by simply paying your next policy renewal. You can also choose another available coverage limit or make any other changes to your policy coverages in the Tesla app or by contacting us at 1-844-34-TESLA.

Property Damage Coverage

Policy Term Effective Date Before June 15, 2025	Policy Term Effective Date On or After June 15, 2025
$25,000	$25,000
$50,000	$50,000
$100,000	$100,000
$300,000	$100,000

Medical Payments Coverage

Policy Term Effective Date Before June 15, 2025	Policy Term Effective Date On or After June 15, 2025
No coverage	No coverage
$1,000	$1,000
$5,000	$1,000
$10,000	$1,000
$25,000	$1,000
$50,000	$1,000

Rental Reimbursement Coverage

Policy Term Effective Date Before June 15, 2025	Policy Term Effective Date On or After June 15, 2025
No coverage	No coverage
$45/$1,350	$45/$1,350
$75/$2,250	$75/$2,250
$125/$3,750	$100/$3,000
$250/$7,500	$100/$3,000

Contact us to learn more about the optional coverage options available in your state.

California

Discounts:

Good Driver Discount - If you have had your license for the last three years, during which time subject to certain conditions, you had no major violations and no more than one minor violation/at-fault accident, this discount will automatically be applied to your policy.
Elite Driver Discount - If you have had your license for the last five years, during which time, subject to certain conditions, you had no major violations or at-fault accidents, this discount will automatically be applied to your policy.
Group Discount - If you are currently a Tesla employee, contact us to apply this discount to your policy.
Mature Driver Improvement Course Discount - If you are over the age of 55 and have completed a Mature Driver Improvement Course approved by CA DMV within the last three years, contact us to apply this discount to your policy.
Multi-Car Discount - If you have more than one vehicle insured under the same policy with Tesla Insurance, this discount will automatically be applied to your policy.

Optional Coverage:

Auto Loan/Lease Gap Coverage - If you are leasing or financing your insured vehicle and it is determined to be a total loss or stolen, this coverage applies to the difference between the financed amount owed and the actual cash value of your insured vehicle at the time of the covered loss.

Coverage Updates – Effective August 11, 2025

Rate Update - Tesla Insurance has received approval from the California Department of Insurance for a general rate increase of 12.4%, which will apply to all insureds in California. The rate adjustments will apply to all policies with policy effective dates that start on or after August 11, 2025. If your policy is up for renewal, the rate adjustment will be automatically applied at the time of renewal. Your total policy premium change will depend on whether there are any other changes to your policy, such as changes in coverages, deductibles, etc.
Fraud Assessment Fee Update - California requires all insurers to pay a fee of $0.88 per policy term for each insured vehicle. This fee is used to fund state programs for fraud investigation, organized automobile fraud interdiction and certain other consumer services related to automobile insurance. This fee is mandated by the California Insurance Code and will be charged as part of your insurance costs.
Coverage Update - Effective August 11, 2025, we no longer offer certain coverage limits. If your current coverage limit is no longer available, we will automatically adjust your coverage limit(s) to the closest available limit at your next policy renewal. Refer to the tables below to see if and how your existing coverage(s) may be adjusted. You can accept the changes by simply paying your next policy renewal. You can also choose another available coverage limit or make any other changes to your policy coverages in the Tesla app or by contacting us at 1-844-34-TESLA.

Bodily Injury Coverage
Per Person/Per Occurrence Limits

Policy Term Effective Date Before August 11, 2025	Policy Term Effective Date On or After August 11, 2025
$30,000/$60,000	$30,000/$60,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Uninsured and Underinsured Motorist Bodily Injury Coverages
Per Person/Per Occurrence Limits

Policy Term Effective Date Before August 11, 2025	Policy Term Effective Date On or After August 11, 2025
$30,000/$60,000	$30,000/$60,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Property Damage Limit

Policy Term Effective Date Before August 11, 2025	Policy Term Effective Date On or After August 11, 2025
$15,000	$15,000
$25,000	$25,000
$50,000	$50,000
$100,000	$100,000
$300,000	$300,000
$500,000	$300,000

Contact us to learn more about the optional coverage options available in your state.

Colorado

Discounts:

Defensive Driving Course Discount - If you are over the age of 55 and have completed a motor vehicle accident prevention course approved by the Department of Motor Vehicles within the last three years, you may qualify for this discount. Contact us to see if you qualify. Documentation may be required.
Multi-Car Discount - If you have more than one vehicle insured under the same policy with Tesla Insurance, this discount will automatically be applied to your policy.
Group Discount - If you are currently a Tesla employee, contact us to apply this discount to your policy.

Optional Coverage:

Auto Loan/Lease Gap Coverage - If you are leasing or financing your insured vehicle and it is determined to be a total loss or stolen, this coverage applies to the difference between the financed amount owed and the actual cash value of your insured vehicle at the time of the covered loss.

Coverage Updates – Effective April 1, 2025

Effective April 1, 2025, we no longer offer certain coverage limits. If your current coverage limit is no longer available, we will automatically adjust your coverage limit(s) to the closest available limit at your next policy renewal. Refer to the tables below to see if and how your existing coverage(s) may be adjusted. You can accept the changes by simply paying your next policy renewal. You can also choose another available coverage limit or make any other changes to your policy coverages in the Tesla app or by contacting us at 1-844-34-TESLA.

Bodily Injury Coverage
Per Person/Per Occurrence Limits

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$25,000/$50,000	$25,000/$50,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Uninsured Motorist Bodily Injury Coverage
Per Person/Per Occurrence Limits

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$25,000/$50,000	$25,000/$50,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Property Damage Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$15,000	$15,000
$50,000	$50,000
$100,000	$100,000
$300,000	$100,000
$500,000	$100,000

Medical Payment Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$5,000	$5,000
$15,000	$5,000
$25,000	$5,000
$50,000	$5,000

Rental Reimbursement Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$45/$1,350	$45/$1,350
$75/$2,250	$75/$2,250
$125/$3,750	$100/$3,000
$250/$7,500	$100/$3,000

Contact us to learn more about the optional coverage options available in your state.

Florida

Discounts:

Full Self-Driving (Supervised) Discount - If your Tesla vehicle has FSD (Supervised), you may receive a discount on your insurance premium. The more you drive with FSD (Supervised) enabled, the bigger the discount is on your insurance premium. Learn more about the FSD (Supervised) discount and how it works.
Defensive Driving Course Discount - If you are over the age of 55 and have completed a motor vehicle accident prevention course approved by the Department of Motor Vehicles, you may qualify for this discount. Contact us to see if you qualify. Documentation will be required.
Airbag Discount - If your vehicle is equipped with a driver’s side front airbag or airbags on both front sides, this discount will be automatically applied to your policy.
Antilock Brakes Discount - If your vehicle is equipped with manufacturer installed, 4-wheel or rear-wheel antilock brakes, this discount will be automatically applied to your policy.
Anti-Theft Device Discount - If your vehicle is equipped with approved anti-theft devices, such as alarm or active disabling devices, this discount will automatically be applied to your policy. For non-Tesla vehicles, confirmation of your vehicle’s qualification is required.
Multi-Car Discount - If you have more than one vehicle insured under the same policy with Tesla Insurance, this discount will automatically be applied to your policy.
Group Discount - If you are currently a Tesla employee, contact us to apply this discount to your policy.

Optional Coverage:

Auto Loan/Lease Gap Coverage - If you are leasing or financing your insured vehicle and it is determined to be a total loss or stolen, this coverage applies to the difference between the financed amount owed and the actual cash value of your insured vehicle at the time of the covered loss.

Illinois

Discounts:

Defensive Driving Course Discount - If you are over the age of 55 and have completed the National Safety Council’s Defensive Driving Course approved by IL DMV or a state-approved motor vehicle accident prevention course within the last three years, you may qualify for this discount. Contact us to see if you qualify. Documentation may be required.
Multi-Car Discount - If you have more than one vehicle insured under the same policy with Tesla Insurance, this discount will automatically be applied to your policy.
Anti-Theft Device Discount - If your vehicle is equipped with approved anti-theft devices, such as alarm or active disabling devices, this discount will automatically be applied to your policy. For non-Tesla vehicles, confirmation of your vehicle’s qualification is required.
Group Discount - If you are currently a Tesla employee, contact us to apply this discount to your policy.

Optional Coverage:

Auto Loan/Lease Gap Coverage - If you are leasing or financing your insured vehicle and it is determined to be a total loss or stolen, this coverage applies to the difference between the financed amount owed and the actual cash value of your insured vehicle at the time of the covered loss.

Coverage Updates – Effective April 1, 2025

Effective April 1, 2025, we no longer offer certain coverage limits. If your current coverage limit is no longer available, we will automatically adjust your coverage limit(s) to the closest available limit at your next policy renewal. Refer to the tables below to see if and how your existing coverage(s) may be adjusted. You can accept the changes by simply paying your next policy renewal. You can also choose another available coverage limit or make any other changes to your policy coverages in the Tesla app or by contacting us at 1-844-34-TESLA.

Property Damage Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$20,000	$20,000
$50,000	$50,000
$100,000	$100,000
$300,000	$100,000

Medical Payment Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$1,000	$1,000
$5,000	$1,000
$10,000	$1,000
$25,000	$1,000
$50,000	$1,000

Rental Reimbursement Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$45/$1,350	$45/$1,350
$75/$2,250	$75/$2,250
$125/$3,750	$100/$3,000
$250/$7,500	$100/$3,000

Contact us to learn more about the optional coverage options available in your state.

Maryland

Discounts:

Multi-Car Discount - If you have more than one vehicle insured under the same policy with Tesla Insurance, this discount will automatically be applied to your policy.
Group Discount - If you are currently a Tesla employee, contact us to apply this discount to your policy.

Optional Coverage:

Auto Loan/Lease Gap Coverage - If you are leasing or financing your insured vehicle and it is determined to be a total loss or stolen, this coverage applies to the difference between the financed amount owed and the actual cash value of your insured vehicle at the time of the covered loss.

Coverage Updates – Effective April 1, 2025

Effective April 1, 2025, we no longer offer certain coverage limits. If your current coverage limit is no longer available, we will automatically adjust your coverage limit(s) to the closest available limit at your next policy renewal. Refer to the tables below to see if and how your existing coverage(s) may be adjusted. You can accept the changes by simply paying your next policy renewal. You can also choose another available coverage limit or make any other changes to your policy coverages in the Tesla app or by contacting us at 1-844-34-TESLA.

Property Damage Coverage

Policy Term Effective Date Before June 15, 2025	Policy Term Effective Date On or After June 15, 2025
$15,000	$15,000
$50,000	$50,000
$100,000	$100,000
$300,000	$100,000

Personal Injury Protection Coverage

Policy Term Effective Date Before June 15, 2025	Policy Term Effective Date On or After June 15, 2025
$2,500 Full	$2,500 Full
$5,000 Full	$2,500 Full
$7,500 Full	$2,500 Full
$10,000 Full	$2,500 Full
$2,500 Waived	$2,500 Waived
$5,000 Waived	$2,500 Waived
$7,500 Waived	$2,500 Waived
$10,000 Waived	$2,500 Waived

Uninsured Motorist Property Damage Coverage

Policy Term Effective Date Before June 15, 2025	Policy Term Effective Date On or After June 15, 2025
No coverage	No coverage
$15,000	$15,000
$50,000	$50,000
$100,000	$100,000
$300,000	$100,000

Enhanced Underinsured Motorist Property Damage Coverage

Policy Term Effective Date Before June 15, 2025	Policy Term Effective Date On or After June 15, 2025
No coverage	No coverage
$15,000	$15,000
$50,000	$50,000
$100,000	$100,000
$300,000	$100,000

Rental Reimbursement Coverage

Policy Term Effective Date Before June 15, 2025	Policy Term Effective Date On or After June 15, 2025
No coverage	No coverage
$45/$1,350	$45/$1,350
$75/$2,250	$75/$2,250
$100/$1,500	$100/$1,500
$125/$3,750	$100/$1,500
$250/$7,500	$100/$1,500

Contact us to learn more about the optional coverage options available in your state.

Minnesota

Discounts:

Defensive Driving Course Discount - If you are over the age of 55 and have completed a motor vehicle accident prevention course or refresher course approved by the Department of Public Safety within the last three years, you may qualify for this discount. Contact us to see if you qualify. Documentation may be required.
Anti-Theft Device Discount - If your vehicle is equipped with approved anti-theft devices, such as alarm or active disabling devices, this discount will automatically be applied to your policy. For non-Tesla vehicles, confirmation of your vehicle’s qualification is required.
Multi-Car Discount - If you have more than one vehicle insured under the same policy with Tesla Insurance, this discount will automatically be applied to your policy.
Group Discount - If you are currently a Tesla employee, contact us to apply this discount to your policy.

Optional Coverage:

Auto Loan/Lease Gap Coverage - If you are leasing or financing your insured vehicle and it is determined to be a total loss or stolen, this coverage applies to the difference between the financed amount owed and the actual cash value of your insured vehicle at the time of the covered loss.

Coverage Updates – Effective April 1, 2025

Effective April 1, 2025, we no longer offer certain coverage limits. If your current coverage limit is no longer available, we will automatically adjust your coverage limit(s) to the closest available limit at your next policy renewal. Refer to the tables below to see if and how your existing coverage(s) may be adjusted. You can accept the changes by simply paying your next policy renewal. You can also choose another available coverage limit or make any other changes to your policy coverages in the Tesla app or by contacting us at 1-844-34-TESLA.

Bodily Injury Coverage
Per Person/Per Occurrence Limits

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$30,000/$60,000	$30,000/$60,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Uninsured Motorist Bodily Injury Coverage
Per Person/Per Occurrence Limits

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$25,000/$50,000	$25,000/$50,000
$30,000/$60,000	$30,000/$60,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Property Damage Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$10,000	$10,000
$50,000	$50,000
$100,000	$100,000
$300,000	$100,000
$500,000	$100,000

Personal Injury Protection Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$20K Medical/$20K Economic	$20K Medical/$20K Economic
$30K Medical/$20K Economic	$20K Medical/$20K Economic

Rental Reimbursement Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$45/$1,350	$45/$1,350
$75/$2,250	$75/$2,250
$125/$3,750	$100/$3,000
$250/$7,500	$100/$3,000

Contact us to learn more about the optional coverage options available in your state.

Nevada

Discounts:

Defensive Driving Course Discount - If you are over the age of 55 and have completed a traffic safety course approved by NV DMV within the last three years, you may qualify for this discount. Contact us to see if you qualify. Documentation may be required.
Multi-Car Discount - If you have more than one vehicle insured under the same policy with Tesla Insurance, this discount will automatically be applied to your policy.
Airbag Discount - If your vehicle is equipped with a driver’s side front airbag or airbags on both front sides, this discount will be automatically applied to your policy.
Non-Stacking Discount - If you have more than one vehicle insured with Tesla Insurance and have purchased Uninsured / Underinsured Motorist coverage, a non-stacking discount will apply.
Group Discount - If you are currently a Tesla employee, contact us to apply this discount to your policy.

Optional Coverage:

Auto Loan/Lease Gap Coverage - If you are leasing or financing your insured vehicle and it is determined to be a total loss or stolen, this coverage applies to the difference between the financed amount owed and the actual cash value of your insured vehicle at the time of the covered loss.

Coverage Updates – Effective March 2, 2025

Effective March 2, 2025, we no longer offer certain coverage limits. If your current coverage limit is no longer available, we will automatically adjust your coverage limit(s) to the closest available limit at your next policy renewal. Refer to the tables below to see if and how your existing coverage(s) may be adjusted. You can accept the changes by simply paying your next policy renewal. You can also choose another available coverage limit or make any other changes to your policy coverages in the Tesla app or by contacting us at 1-844-34-TESLA.

Bodily Injury Coverage
Per Person/Per Occurrence Limits

Policy Term Effective Date Before March 2, 2025	Policy Term Effective Date On or After March 2, 2025
$25,000/$50,000	$25,000/$50,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Uninsured and Underinsured Bodily Injury Coverages
Per Person/Per Occurrence Limits

Policy Term Effective Date Before March 2, 2025	Policy Term Effective Date On or After March 2, 2025
$25,000/$50,000	$25,000/$50,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Property Damage Coverage

Policy Term Effective Date Before March 2, 2025	Policy Term Effective Date On or After March 2, 2025
$20,000	$20,000
$50,000	$50,000
$100,000	$100,000
$300,000	$300,000
$500,000	$300,000

Rental Reimbursement Coverage

Policy Term Effective Date Before March 2, 2025	Policy Term Effective Date On or After March 2, 2025
$45/$1,350	$45/$1,350
$75/$2,250	$75/$2,250
$125/$3,750	$125/$3,750
$250/$7,500	$125/$3,750

Contact us to learn more about the optional coverage options available in your state.

Ohio

Discounts:

Defensive Driving Course Discount - If you are over the age of 60 and have completed the state-approved motor vehicle accident prevent course within the last three years, you may qualify for this discount. Contact us to see if you qualify. Documentation may be required.
Multi-Car Discount - If you have more than one vehicle insured under the same policy with Tesla Insurance, this discount will automatically be applied to your policy.
Group Discount - If you are currently a Tesla employee, contact us to apply this discount to your policy.

Optional Coverage:

Auto Loan/Lease Gap Coverage - If you are leasing or financing your insured vehicle and it is determined to be a total loss or stolen, this coverage applies to the difference between the financed amount owed and the actual cash value of your insured vehicle at the time of the covered loss.

Coverage Updates – Effective April 1, 2025

Effective April 1, 2025, we no longer offer certain coverage limits. If your current coverage limit is no longer available, we will automatically adjust your coverage limit(s) to the closest available limit at your next policy renewal. Refer to the tables below to see if and how your existing coverage(s) may be adjusted. You can accept the changes by simply paying your next policy renewal. You can also choose another available coverage limit or make any other changes to your policy coverages in the Tesla app or by contacting us at 1-844-34-TESLA.

Property Damage Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$25,000	$25,000
$50,000	$50,000
$100,000	$100,000
$300,000	$100,000

Medical Payment Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$1,000	$1,000
$5,000	$1,000
$10,000	$1,000
$25,000	$1,000
$50,000	$1,000

Uninsured and Underinsured Motorist Property Damage Coverages

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$25,000	$25,000
$50,000	$25,000
$100,000	$25,000

Rental Reimbursement Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$45/$1,350	$45/$1,350
$75/$2,250	$75/$2,250
$125/$3,750	$100/$3,000
$250/$7,500	$100/$3,000

Contact us to learn more about the optional coverage options available in your state.

Oregon

Discounts:

Defensive Driving Course Discount - If you are over the age of 55 and have completed a motor vehicle accident prevention course approved by the Department of Transportation within the last three years if under the age of 70 or within the last two years if over the age of 70, you may qualify for this discount. Contact us to see if you qualify. Documentation may be required.
Multi-Car Discount - If you have more than one vehicle insured under the same policy with Tesla Insurance, this discount will automatically be applied to your policy.
Group Discount - If you are currently a Tesla employee, contact us to apply this discount to your policy.

Optional Coverage:

Auto Loan/Lease Gap Coverage - If you are leasing or financing your insured vehicle and it is determined to be a total loss or stolen, this coverage applies to the difference between the financed amount owed and the actual cash value of your insured vehicle at the time of the covered loss.

Coverage Updates – Effective April 1, 2025

Effective April 1, 2025, we no longer offer certain coverage limits. If your current coverage limit is no longer available, we will automatically adjust your coverage limit(s) to the closest available limit at your next policy renewal. Refer to the tables below to see if and how your existing coverage(s) may be adjusted. You can accept the changes by simply paying your next policy renewal. You can also choose another available coverage limit or make any other changes to your policy coverages in the Tesla app or by contacting us at 1-844-34-TESLA.

Bodily Injury Coverage
Per Person/Per Occurrence Limits

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$25,000/$50,000	$25,000/$50,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Uninsured Motorist Bodily Injury Coverage
Per Person/Per Occurrence Limits

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$25,000/$50,000	$25,000/$50,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Property Damage Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$25,000	$25,000
$50,000	$50,000
$100,000	$100,000
$300,000	$100,000
$500,000	$100,000

Uninsured Motorist Property Damage Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$20,000	$20,000
$50,000	$20,000
$100,000	$20,000

Personal Injury Protection Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$15,000	$15,000
$25,000	$15,000
$50,000	$15,000

Rental Reimbursement Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$45/$1,350	$45/$1,350
$75/$2,250	$75/$2,250
$125/$3,750	$100/$3,000
$250/$7,500	$100/$3,000

Contact us to learn more about the optional coverage options available in your state.

Texas

Discounts:

Full Self-Driving (Supervised) Discount - If your Tesla vehicle has FSD (Supervised), you may receive a discount on your insurance premium. The more you drive with FSD (Supervised) enabled, the bigger the discount is on your insurance premium. Learn more about the FSD (Supervised) discount and how it works.
Multi-Car Discount - If you have more than one vehicle insured under the same policy with Tesla Insurance, this discount will automatically be applied to your policy.
Group Discount - If you are currently a Tesla employee, contact us to apply this discount to your policy.

Optional Coverage:

Auto Loan/Lease Gap Coverage - If you are leasing or financing your insured vehicle and it is determined to be a total loss or stolen, this coverage applies to the difference between the financed amount owed and the actual cash value of your insured vehicle at the time of the covered loss.

Coverage Updates – Effective April 1, 2025

Effective April 1, 2025, we no longer offer certain coverage limits. If your current coverage limit is no longer available, we will automatically adjust your coverage limit(s) to the closest available limit at your next policy renewal. Refer to the tables below to see if and how your existing coverage(s) may be adjusted. You can accept the changes by simply paying your next policy renewal. You can also choose another available coverage limit or make any other changes to your policy coverages in the Tesla app or by contacting us at 1-844-34-TESLA.

Property Damage Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$25,000	$25,000
$50,000	$50,000
$100,000	$100,000
$300,000	$100,000

Medical Payment Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$1,000	No coverage
$5,000	No coverage
$10,000	No coverage
$25,000	No coverage
$50,000	No coverage

Personal Injury Protection Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$2,500	$2,500
$5,000	$2,500
$10,000	$2,500
$25,000	$2,500
$50,000	$2,500

Rental Reimbursement Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$45/$1,350	$45/$1,350
$75/$2,250	$75/$2,250
$125/$3,750	$100/$3,000
$250/$7,500	$100/$3,000

Contact us to learn more about the optional coverage options available in your state.

Utah

Discounts:

Defensive Driving Course Discount - If you are over the age of 55 and have completed a motor vehicle accident prevention course approved by the Department of Public Safety within the last three years, you may qualify for this discount. Contact us to see if you qualify. Documentation may be required.
Multi-Car Discount - If you have more than one vehicle insured under the same policy with Tesla Insurance, this discount will automatically be applied to your policy.
Group Discount - If you are currently a Tesla employee, contact us to apply this discount to your policy.

Optional Coverage:

Auto Loan/Lease Gap Coverage - If you are leasing or financing your insured vehicle and it is determined to be a total loss or stolen, this coverage applies to the difference between the financed amount owed and the actual cash value of your insured vehicle at the time of the covered loss.

Coverage Updates – Effective January 1, 2025

Effective January 1, 2025, the Utah Department of Insurance issued on Bulletin H.B. 113 to increase the minimum limits required by law. If your current coverage limit is no longer available, we will automatically adjust your coverage limit(s) to the closest available limit at your next policy renewal. Refer to the tables below to see if and how your existing coverage(s) may be adjusted. You can accept the changes by simply paying your next policy renewal. You can also choose another available coverage limit or make any other changes to your policy coverages in the Tesla app or by contacting us at 1-844-34-TESLA.

Bodily Injury Coverage
Per Person/Per Occurrence Limits

Policy Term Effective Date Before January 1, 2025	Policy Term Effective Date On or After January 1, 2025
$25,000/$65,000	$30,000/$65,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$250,000/$250,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$1,000,000
$1,000,000/$1,000,000	$1,000,000/$1,000,000

Uninsured and Underinsured Bodily Injury Coverages
Per Person/Per Occurrence Limits

Policy Term Effective Date Before January 1, 2025	Policy Term Effective Date On or After January 1, 2025
$25,000/$65,000	$30,000/$65,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$250,000/$250,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$1,000,000
$1,000,000/$1,000,000	$1,000,000/$1,000,000

Property Damage Coverage

Policy Term Effective Date Before January 1, 2025	Policy Term Effective Date On or After January 1, 2025
$15,000	$25,000
$50,000	$50,000
$100,000	$100,000
$300,000	$300,000
$500,000	$500,000

Coverage Updates – Effective April 1, 2025

Effective April 1, 2025, we no longer offer certain coverage limits. If your current coverage limit is no longer available, we will automatically adjust your coverage limit(s) to the closest available limit at your next policy renewal. Refer to the tables below to see if and how your existing coverage(s) may be adjusted. You can accept the changes by simply paying your next policy renewal. You can also choose another available coverage limit or make any other changes to your policy coverages in the Tesla app or by contacting us at 1-844-34-TESLA.

Bodily Injury Coverage
Per Person/Per Occurrence Limits

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$25,000/$50,000	$25,000/$50,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Uninsured Motorist Bodily Injury Coverage
Per Person/Per Occurrence Limits

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$25,000/$50,000	$25,000/$50,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Property Damage Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$25,000	$25,000
$50,000	$50,000
$100,000	$100,000
$300,000	$100,000
$500,000	$100,000

Uninsured Motorist Property Damage Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$20,000	$20,000
$50,000	$20,000
$100,000	$20,000

Personal Injury Protection Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$15,000	$15,000
$25,000	$15,000
$50,000	$15,000

Rental Reimbursement Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$45/$1,350	$45/$1,350
$75/$2,250	$75/$2,250
$125/$3,750	$100/$3,000
$250/$7,500	$100/$3,000

Contact us to learn more about the optional coverage options available in your state.

Virginia

Discounts:

Defensive Driving Course Discount - If you are over the age of 55 and have completed a motor vehicle accident prevention course approved by the Department of Motor Vehicles within the last three years, you may qualify for this discount. Contact us to see if you qualify. Documentation may be required.
Multi-Car Discount - If you have more than one vehicle insured under the same policy with Tesla Insurance, this discount will automatically be applied to your policy.
Group Discount - If you are currently a Tesla employee, contact us to apply this discount to your policy.

Optional Coverage:

Auto Loan/Lease Gap Coverage - If you are leasing or financing your insured vehicle and it is determined to be a total loss or stolen, this coverage applies to the difference between the financed amount owed and the actual cash value of your insured vehicle at the time of the covered loss.

Coverage Updates – Effective January 1, 2025

Effective January 1, 2025, we no longer offer certain coverage limits. If your current coverage limit is no longer available, we will automatically adjust your coverage limit(s) to the closest available limit at your next policy renewal. Refer to the tables below to see if and how your existing coverage(s) may be adjusted. You can accept the changes by simply paying your next policy renewal. You can also choose another available coverage limit or make any other changes to your policy coverages in the Tesla app or by contacting us at 1-844-34-TESLA.

Bodily Injury Coverage
Per Person/Per Occurrence Limits

Policy Term Effective Date Before January 1, 2025	Policy Term Effective Date On or After January 1, 2025
$30,000/$60,000	$50,000/$100,000
$60,000/$120,000	$60,000/$120,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Uninsured and Underinsured Bodily Injury Coverages
Per Person/Per Occurrence Limits

Policy Term Effective Date Before January 1, 2025	Policy Term Effective Date On or After January 1, 2025
$30,000/$60,000	$50,000/$100,000
$60,000/$120,000	$60,000/$120,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Alternative Uninsured and Underinsured Bodily Injury Coverages
Per Person/Per Occurrence Limits

Policy Term Effective Date Before January 1, 2025	Policy Term Effective Date On or After January 1, 2025
$30,000/$60,000	$50,000/$100,000
$60,000/$120,000	$60,000/$120,000
$100,000/$300,000	$100,000/$300,000
$250,000/$500,000	$250,000/$500,000
$500,000/$1,000,000	$500,000/$500,000
$1,000,000/$1,000,000	$500,000/$500,000

Property Damage Coverage

Policy Term Effective Date Before January 1, 2025	Policy Term Effective Date On or After January 1, 2025
$20,000	$25,000
$40,000	$40,000
$50,000	$50,000
$100,000	$100,000
$300,000	$300,000
$500,000	$300,000

Uninsured and Underinsured Property Damage Coverage

Policy Term Effective Date Before January 1, 2025	Policy Term Effective Date On or After January 1, 2025
$20,000	$25,000
$40,000	$40,000
$50,000	$50,000
$100,000	$100,000
$300,000	$300,000
$500,000	$300,000

Alternative Uninsured and Underinsured Property Damage Coverage

Policy Term Effective Date Before January 1, 2025	Policy Term Effective Date On or After January 1, 2025
$20,000	$25,000
$40,000	$40,000
$50,000	$50,000
$100,000	$100,000
$300,000	$300,000
$500,000	$300,000

Coverage Updates – Effective April 1, 2025

Effective April 1, 2025, we no longer offer certain coverage limits. If your current coverage limit is no longer available, we will automatically adjust your coverage limit(s) to the closest available limit at your next policy renewal. Refer to the tables below to see if and how your existing coverage(s) may be adjusted. You can accept the changes by simply paying your next policy renewal. You can also choose another available coverage limit or make any other changes to your policy coverages in the Tesla app or by contacting us at 1-844-34-TESLA.

Property Damage Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$25,000	$25,000
$40,000	$40,000
$50,000	$50,000
$100,000	$100,000
$300,000	$100,000

Uninsured and Underinsured Property Damage Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$25,000	$25,000
$40,000	$40,000
$50,000	$50,000
$100,000	$100,000
$300,000	$100,000

Enhanced Uninsured and Underinsured Property Damage Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
$25,000	$25,000
$40,000	$40,000
$50,000	$50,000
$100,000	$100,000
$300,000	$100,000

Medical Payment Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$1,000	$2,000
$2,000	$2,000
$5,000	$2,000
$10,000	$2,000
$25,000	$2,000
$50,000	$2,000

Rental Reimbursement Coverage

Policy Term Effective Date Before May 31, 2025	Policy Term Effective Date On or After May 31, 2025
No coverage	No coverage
$1,350	$1,350
$2,250	$2,250
$3,750	$3,000
$7,500	$3,000

Contact us to learn more about the optional coverage options available in your state.

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Obtaining an SR-22 or FR-44

A certificate of financial responsibility serves as proof your auto insurance policy meets the minimum liability coverage required by state law. Depending on the state, the certificate of financial responsibility is referred to as either an SR-22 or FR-44. While regulations vary by state, a certificate of financial responsibility may be required by the state or a court for certain driving-related violations such as DUI and reckless driving convictions. You can request a certificate of financial responsibility by contacting us. Additional fees may apply per policy term if we file a financial responsibility certificate on your behalf. We do not offer SR-22 in Florida.

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