Self-driving and FSD
Is Tesla insurance cheaper if you use FSD?
Yes, up to 10% off certain coverages, if you drive 50%+ of your miles on FSD. Tesla Insurance offers a premium benefit for owners who use FSD (Supervised). The more miles you drive with FSD engaged, the bigger the reduction on your insurance premium for certain coverages, up to a maximum of 10%. FSD usage also boosts your Safety Score, which independently lowers the premium. The program is available in 8 states and requires a Tesla Insurance policy plus an FSD purchase or subscription.
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Yes, Tesla Insurance is cheaper if you use FSD (Supervised), in two ways. First, a direct discount: if you drive at least 50% of your miles with FSD engaged, you can earn up to a 10% reduction on certain coverages (not the total premium). Second, FSD miles boost your Safety Score, which independently lowers your monthly premium through Tesla's real-time insurance calculation.
The program is available in 8 states: Arizona, Illinois, Indiana, Tennessee, Texas, and Virginia, with Florida and Maryland added in April 2026. You must have a Tesla Insurance policy and have purchased or subscribed to FSD (Supervised) to be eligible.
The 10% discount is capped and applies to certain coverages, not the entire premium. Tesla positions this as evidence that FSD miles are safer miles, but the safety claim is Tesla's own, attributed to the company.
How the FSD insurance discount works
Each entry is a dated, attributed claim about the FSD insurance discount, sourced from Tesla's own insurance support page and press.
- Available in 8 states: AZ, FL, IL, IN, MD, TN, TX, VA.
The FSD insurance premium benefit is available in the states where Tesla Insurance runs its real-time Safety Score program: Arizona, Illinois, Indiana, Tennessee, Texas, and Virginia, with Florida and Maryland added on April 28, 2026. Tesla Insurance is not available in all US states, and not every state offers both the direct discount and the Safety Score with FSD mechanism.
- Press-reported: FSD miles earn a perfect Safety Score, lowering the premium (2026).
Tesla-focused press reported that under Safety Score 3.0, every mile driven with FSD (Supervised) is recorded as a perfect 100, which raises the weighted Safety Score over time and lowers the monthly premium. Combined with the up-to-10% direct discount, the effect can offset part of the FSD subscription cost. The safety framing is Tesla's own.
- Up to 10% discount on certain coverages for using FSD (Supervised) at least 50% of miles.
Tesla Insurance offers a premium benefit for Tesla owners who use FSD (Supervised). The more miles you drive with FSD engaged, the bigger the reduction on your insurance premium for certain coverages. The discount is capped at 10% and applies to certain coverages, not the total premium. The calculation is based on the percentage of miles driven with FSD engaged over the last 30-day period.
How we know this
Every fact on this page comes from Tesla's own insurance support page (tesla.com/support/insurance/fsd), the primary source.
The discount and its mechanism are Tesla's own program. DEPLOY does not sell insurance.
Common questions
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