# 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.

Last verified Apr 28, 2026. 4 sources.

## Short answer

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

| Entry | Kind | Date | Who | Source |
| --- | --- | --- | --- | --- |
| Available in 8 states: AZ, FL, IL, IN, MD, TN, TX, VA. | Availability | Apr 28, 2026 (as reported) | Tesla, reported by TeslaNorth | [TeslaNorth](https://teslanorth.com/2026/04/28/florida-and-maryland-tesla-owners-can-now-lower-their-insurance-by-using-fsd/) |
| Press-reported: FSD miles earn a perfect Safety Score, lowering the premium (2026). | Press report | Apr 28, 2026 (as reported) | Not a Tesla App (press) + Tesla | [Not a Tesla App](https://www.notateslaapp.com/news/3973/tesla-rolls-out-safety-score-30-cheaper-insurance-for-fsd) |
| Up to 10% discount on certain coverages for using FSD (Supervised) at least 50% of miles. | Insurance discount | Feb 1, 2025 | Tesla (company insurance support page) | [Tesla](https://www.tesla.com/support/insurance/fsd) |
| FSD miles boost your Safety Score, which also lowers the premium. | Insurance mechanism | Feb 1, 2025 | Tesla (company insurance support page) | [Tesla](https://www.tesla.com/support/insurance/tesla-real-time-insurance) |

## How we know this

- [TeslaNorth](https://teslanorth.com/2026/04/28/florida-and-maryland-tesla-owners-can-now-lower-their-insurance-by-using-fsd/) (2026-04-28)
- [Not a Tesla App](https://www.notateslaapp.com/news/3973/tesla-rolls-out-safety-score-30-cheaper-insurance-for-fsd) (2026-04-28)
- [Tesla](https://www.tesla.com/support/insurance/fsd) (2025-02-01)
- [Tesla](https://www.tesla.com/support/insurance/tesla-real-time-insurance) (2025-02-01)

## Common questions

### Does Tesla FSD lower insurance?

Yes, if you have Tesla Insurance and drive with FSD (Supervised) engaged for at least 50% of your miles. The discount is up to 10% on certain coverages, not the total premium. FSD usage also boosts your Safety Score, which independently lowers the premium. The program is available in 8 states.

### How much can I save with the FSD insurance discount?

The direct discount is capped at 10% on certain coverages, not the total premium. The exact dollar amount depends on your base premium and coverage mix. The Safety Score with FSD mechanism can lower the premium further, but the total savings vary by driver and state. Tesla does not publish average savings figures.

### Is the FSD insurance discount available in my state?

The FSD insurance premium benefit is available in 8 states: Arizona, Illinois, Indiana, Tennessee, Texas, and Virginia, with Florida and Maryland added in April 2026. Tesla Insurance is not available in all US states. Check Tesla's insurance support page for the current list.

### Do I need to buy FSD to get the insurance discount?

Yes. You must have purchased or subscribed to FSD (Supervised) at the time your next monthly premium is calculated. The 30-day FSD trial also qualifies. You must also be a Tesla Insurance customer in a state where the program is offered.

## Keep reading

- [Is Tesla FSD legal in France?](/is-tesla-fsd-legal-in-france.md): Self-driving & FSD
- [Where is Tesla FSD approved in Europe?](/where-is-tesla-fsd-approved-in-europe.md): Self-driving & FSD
- [How much does Tesla FSD cost?](/how-much-does-tesla-fsd-cost.md): Self-driving & FSD
- [Who is liable in an FSD accident?](/who-is-liable-in-an-fsd-accident.md): Self-driving & FSD
- [All verified answers](/answers.md): Every standing question DEPLOY tracks.

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