A second tweet<\/a> from Florida showed the premium for the same vehicle going from $251 without FSD to $189. This offer is only for newly purchased Teslas. The estimation is based on good driving, 10,000 annual miles, and standard coverage. You can edit the details to see more estimations based on your own preferences.<\/p>\n Honestly, this is sorta ironic.<\/p>\n Despite what CEO Elon Musk claims, there is no proof that FSD is safer than a human driver. In fact, we only have proof of the opposite. There are currently a handful of investigations into FSD due to the cameras not working as intended in certain conditions. Musk notoriously denies LIDAR. There are also many lawsuits against Tesla due to Musk’s 10 years of exaggerations, only to come out and admit FSD is barely Level 2<\/a> during a call earlier this year. A few lawsuits even claim that FSD is possibly responsible for fatal accidents, accusing Musk of lying about its capabilities<\/a>.<\/p>\n This comes after Tesla proudly touted stories about blind men using FSD to get behind the wheel of a Cybertruck<\/a>, and said it’s a great idea for a frail, lethargic old lady to rely on FSD to get around again.<\/p>\n Now, Tesla is claiming that you can save tons of money every month if you use FSD, even though, in reality, using FSD could render you a more dangerous driver. He just won’t stop promoting nonstop reliance on Full Self-Driving mode, no matter how many lawsuits, deaths, and investigations are linked to it. Even some Tesla drivers themselves have questioned the “gamification” of Tesla’s streak feature, which encourages drivers to keep FSD on as long as possible.<\/p>\n Buying a Tesla is a nationwide experience, but buying the insurance is not. Tesla built this thing to lean on its own telematics and repair network, and rolling that out state by state means dealing with 50 different insurance regulators \u2014 which is exactly as slow and painful as it sounds.<\/p>\n As of now, Tesla Insurance<\/a> is live in a growing but still limited list of states: Arizona, California, Colorado, Florida, Illinois, Indiana, Maryland, Minnesota, Nevada, Ohio, Oregon, Tennessee, Texas, Utah, and Virginia, with Washington in the pipeline. That’s a real jump from where things stood a few years ago; Florida only joined the roster after Tesla broke a three-year expansion drought, becoming its first new market since 2022, and Tennessee followed shortly after as part of the same expansion push.<\/p>\n California gets its own asterisk, too. State privacy rules there mean Tesla can’t adjust your monthly premium based on real-time driving data the way it does everywhere else, so your Safety Score is more of a report card than a bill.<\/p>\n If you don’t see your state on the list, you’re not alone \u2014 most Tesla owners in America still can’t buy it. Coverage isn’t available in the remaining 37 states, which means owners in places like New York, Michigan, or the Pacific Northwest (outside Washington\/Oregon) are stuck shopping the traditional market whether they like it or not. The silver lining: Tesla has clearly found its expansion groove again, filing for new states at a pace it hasn’t kept up since the program’s early days, so the list above is very much a “check back in a few months” situation rather than a finished map.<\/p>\n Mmmmm, not really. Shocker.\u00a0Put Tesla Insurance side by side with the rest of the market, and the “built by the car company” pitch starts to lose its shine fast.<\/p>\n The price gap is real, and it’s not in Tesla’s favor. Insuring a Tesla costs an average of $4,149 per year through Tesla’s own program, compared with a $2,513 national average across all vehicles \u2014 a gap driven primarily by high repair costs, since specialized parts and battery work are pricier no matter who underwrites the policy. That’s not unique to Tesla Insurance; insuring an EV generally costs 18% to 49% more than insuring a gas car in 2026 across the board. But it does mean Tesla isn’t using its “we know our own cars better” advantage to undercut the field the way you’d expect. Traditional heavyweights that have spent years refining EV risk models are frequently landing at similar or better rates for the same coverage.<\/p>\n![\"tesla](\"https:\/\/www.autonocion.com\/us\/wp-content\/uploads\/2026\/09\/tesla-insurance-962x1024.jpg\")
<\/p>\nWhere can you get Tesla Insurance?<\/h2>\n
Is Tesla Insurance a good deal (with the FSD discount)?<\/h2>\n