Tesla now features Tesla Insurance on the vehicle order page, giving shoppers in supported states a view of how Full Self-Driving (Supervised) may influence premiums. The insurance section appears below Full Self-Driving (Supervised) and presents indicative savings with options to explore different coverage levels.
Insurance Estimates While Ordering
Within the FSD area of the configurator in eligible markets, Tesla highlights potential savings compared to competing insurers. The estimate assumes good driving, 10,000 miles per year, and standard coverage. Choosing Edit Details opens an estimate that shows monthly premiums both with and without FSD usage, plus controls to adjust mileage and coverage.
Example: for a 2026 Model Y Rear-Wheel Drive set up for Austin, Texas, the page showed an estimated $205 per month without FSD usage. With 95% FSD usage, the estimate dropped to $148 per month, a $57 difference.
Insurance pricing depends on many factors, including town and state. Tesla factors in your town using your ZIP code, though rates will still vary by individual.
How FSD Affects Insurance Costs
In February 2025, Tesla introduced an FSD insurance discount that allows eligible drivers to receive up to 10% off certain coverages by driving at least 50% of their miles with FSD engaged.
With Safety Score 3.0, each mile driven with FSD engaged contributes a score of 100. Tesla combines those miles with the manual-driving score to derive the insurance rating, so greater FSD usage can improve the combined score.
Availability Depends on Your State
The insurance promotion appears for buyers in states where Tesla Insurance is offered. Pricing also depends on factors such as the vehicle, location, and distance driven.
Tesla is pursuing additional markets for Tesla Insurance, including filings preceding Tennessee's rollout and plans to bring Tesla Insurance to Washington. The order-page estimates help more buyers see the product and its potential savings.
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