Last Update 08-23

Insurance Premiums Halved as Insurers Officially Enter Tesla FSD

Tesla owners in North America are getting some great news. Digital insurance company Lemonade recently announced it will offer up to 50% premium discounts for owners who activate and use Tesla's FSD (Supervised) feature. This is not only a major breakthrough in actuarial modeling, but also marks official financial recognition of the safety value of autonomous driving.

Image via @ Lemonade, copyright belongs to the original author

The company's new "Lemonade Autonomous Car" insurance policy states that for miles driven while Full Self-Driving (Supervised) is engaged, Tesla owners will be charged a per-mile insurance rate that is approximately 50% lower than the rate for manually driven miles. It's important to note that this does not mean the total premium on the entire policy is automatically cut in half. Lemonade's product consists of a fixed base premium plus a per-mile component: manually driven miles are charged at the standard rate, while FSD miles are charged at half the rate of manually driven miles. So the total savings for each owner will depend on the base premium, total miles driven, and the proportion of FSD usage within the total mileage.

Image via @ Lemonade, copyright belongs to the original author

With the owner's authorization, Lemonade reads vehicle data directly through the Tesla Fleet API, automatically distinguishing between FSD-driven and manually driven miles — no self-reporting or additional devices required. According to the conditions published by Lemonade, vehicles typically need to be equipped with Hardware 4 or newer, and running software version 2025.44.25.5 or later.

🔹 Lemonade FSD Insurance Program Nationwide Rollout

State	Availability	Hardware Requirements
Arizona (AZ)	Live now	HW4, Firmware 2025.44.25.5+
Oregon (OR)	Live now	HW4, Firmware 2025.44.25.5+
Indiana (IN)	Live now	HW4 or newer
Colorado (CO)	Live now	HW4 or newer
Tennessee (TN)	Live since August 3	HW4 or newer

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菜菜不吃菜

: Welcome to use my referral code: 网页链接>>

09-03

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lbtdbbbbbb

: Get 3 months of Full Self-Driving (Supervised) or $400 off Solar Panel installation with my referral link. 网页链接>>

09-03

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qqf666

: HW3 owners don't deserve it, huh? HW3's FSD isn't discounted either.

08-22

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king176

: California probably doesn't stand a chance, car insurance is damn expensive.

08-20

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攒人品的Ray

: Without California, it's all for nothing 没加州都白扯

08-19

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小安猪

: Welcome to refer Order referral link: 网页链接>>

08-18

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伍晓扬

: New York won’t be the last one, right?! 纽约不会是最后一个吧！

08-17

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冬瓜62

: LOL, buying a car and the insurance company tells you how to drive? Flooring it at a green light (or the pedal?) gets your premium raised. This precisely weeds out everyone except turtle-paced drivers—now there are more Teslas crawling on the road than Lexuses. Personally, I love cutting off Teslas the most; they'll auto-brake anyway, so there's no way they'll hit me.

08-16

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Julia77777

: When I bought my new car, I could have added Tesla Insurance, and the estimate was even higher than my current insurance company's. After declining, I can't join anymore in Florida. I was originally planning to use FSD for a month before getting another quote. Welcome to the Tesla family Use the referral code to enjoy purchase discounts and 3 months of free FSD, 网页链接>>

08-14

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