Full Self-Driving (Supervised) for Insurance

Tesla Insurance offers an insurance premium benefit to Tesla owners who have purchased or subscribed to Full Self-Driving (Supervised). Eligible customers who drive with FSD (Supervised) engaged will receive a reduction on their premium. The more you drive with FSD (Supervised) engaged, the bigger the reduction is on your insurance premium for certain coverages on your Tesla Insurance policy.

We offer a benefit in two ways: (1) FSD (Supervised) Discount or (2) premium benefit through Safety Score with FSD (Supervised).

Note: To receive the premium benefit through Safety Score with FSD (Supervised), you must be enrolled in Safety Score version 3.0.

Review which insurance premium benefit you can receive and when each benefit will become available in your state.

Arizona

	FSD (Supervised) Discount	Premium Benefit Through Safety Score With FSD (Supervised)
New Policyholders	Available on or after February 1, 2025 but before April 14, 2026	Available on or after April 14, 2026
Existing Policyholders	Available for policyholders with policy effective date between March 8, 2025 and July 7, 2026	Automatically applied when policy renews on or after July 8, 2026

Florida

	FSD (Supervised) Discount	Premium Benefit Through Safety Score With FSD (Supervised)
New Policyholders	Available on or after December 17, 2025	Safety Score version 3.0 coming soon

Illinois

	Premium Benefit Through Safety Score With FSD (Supervised)
New Policyholders	Available on or after April 14, 2026
Existing	Automatically applied when policy renews on or after June 13, 2026

Indiana

	Premium Benefit Through Safety Score With FSD (Supervised)
New Policyholders	Available on or after April 14, 2026

Tennessee

	Premium Benefit Through Safety Score With FSD (Supervised)
New Policyholders	Available on or after April 14, 2026

Texas

	FSD (Supervised) Discount	Premium Benefit Through Safety Score With FSD (Supervised)
New Policyholders	Available on or after February 1, 2025 but before April 14, 2026	Available on or after April 14, 2026
Existing Policyholders	Available for policyholders with policy effective date between March 8, 2025 and June 12, 2026	Automatically applied when policy renews on or after June 13, 2026

Virginia

	Premium Benefit Through Safety Score With FSD (Supervised)
New Policyholders	Available on or after April 14, 2026
Existing Policyholders	Automatically applied when policy renews on or after June 13, 2026

How It Works

Throughout the month, Tesla Insurance will collect the following data from your vehicle:

Total miles driven
Total miles driven with FSD (Supervised) engaged

Tesla Insurance will then calculate your next monthly premium based on the percentage of miles driven with FSD (Supervised) engaged.

The percentage of miles driven with FSD (Supervised) engaged is calculated by dividing the total miles driven with FSD (Supervised) engaged by the total miles driven, over the last 30-day period. The reduction on your insurance premium may vary depending on the percentage of total miles driven with FSD (Supervised) engaged.

FSD (Supervised) Discount

Based on the calculation above, you can earn up to a maximum discount of 10% on certain coverages when you drive with FSD (Supervised) enabled over the last 30-day period.

Premium Benefit Through Safety Score With FSD (Supervised)

When your Safety Score is updated every month, you will also get a Safety Score with FSD (Supervised), which is calculated as follows:

Safety Score with FSD (Supervised) = % of Miles with FSD (Supervised) engaged x 100 + % of Miles with FSD (Supervised) disengaged x Safety Score

The Safety Score with FSD (Supervised) will be used to determine your premium for the next month. The more you drive with FSD (Supervised) engaged, the higher your Safety Score with FSD (Supervised) will be, unless you have a Safety Score of 100, in which case your Safety Score with FSD (Supervised) will stay at 100. The higher your Safety Score with FSD (Supervised) is, the lower your premium will be.

Frequently Asked Questions

Frequently Asked Questions Show All Hide All

To be eligible for this insurance premium benefit, you must:

Be a Tesla Insurance customer in a state where FSD (Supervised) Discount is offered or where Safety Score version 3.0 is offered

Have driven at least five miles during the 30-day period
This insurance premium benefit is currently offered for Tesla Insurance customers in the following states:

Arizona

Florida

Illinois

Indiana

Tennessee

Texas

Virginia
Once available in your state, eligible customers will start to receive the premium benefit on their next policy renewal date. You can determine when your next policy renewal will occur by reviewing your policy documents. If you are a new policyholder, you will receive the benefit on the third month of your new policy. Review when the insurance premium benefit will become available in your state.
When available for your Tesla vehicle, you will see ‘Safety Score’ on the home screen of the Tesla app. You can find detailed information including the total number of miles you have driven and the total number of miles driven with FSD (Supervised) engaged for each trip, day and 30-day period.
To see if you have received the premium benefit, follow these steps:

Open the Tesla app.

Tap ‘Safety Score.’

View your estimated premium for the following month.

Additionally, if you are receiving the premium benefit, tap the info icon to see the percentage of miles that were driven with FSD (Supervised) engaged.
You qualify for the premium benefit if you have driven at least five miles during the 30-day period. The more you drive with FSD (Supervised) engaged, the bigger the reduction is on your insurance premium.

Note: The FSD (Supervised) Discount is capped to 10% on certain coverages.
Yes. In order to be eligible for the premium benefit, your vehicle must have purchased or subscribed to FSD (Supervised) at the time that your next monthly premium is calculated. Generally, your next monthly premium is calculated 30 days before the next effective date, depending on the policy state.
Yes. You may be eligible to receive the insurance premium benefit. With Safety Score version 3.0, the premium benefit is based on miles driven with FSD (Supervised) in the past 30 days, regardless of whether you have a trial.
You can subscribe to FSD (Supervised) at any time through the Tesla app or from your vehicle’s touchscreen. You can also subscribe to FSD (Supervised) when you are placing your vehicle order.

Get FSD (Supervised)