New regulatory filings indicate Tesla has applied to launch its in-house insurance program in Tennessee, proposing an effective date of March 1, 2026. This follows the company’s recent expansion to Florida, which was its first market addition in three years.
The filing suggests Tesla is resuming expansion of the insurance offering. After a three-year pause, the company has already announced two new markets, signaling that US customers may see additional and faster rollouts throughout 2026.
FSD Discounts Included
The Tennessee filing confirms the insurance program will include Tesla’s FSD discount structure from day one, mirroring the setup used in other states. This approach directly incentivizes use of Full Self-Driving by reducing premiums based on how much a driver uses FSD.
Because Tesla is underwriting its own insurance, it can adjust its products accordingly. Under the described system, monthly premiums are calculated in part from miles driven on FSD and a driver’s Safety Score.
Drivers can generally earn a discount of up to 10% on certain portions of their coverage if more than 50% of their miles are driven on FSD.
The Expansion Roadmap
If approved for the proposed March 1 launch, Tennessee would join the following 13 states where Tesla Insurance is currently available:
- Arizona
- California (No Safety Score)
- Colorado
- Florida (New)
- Illinois
- Maryland
- Minnesota
- Nevada
- Ohio
- Oregon
- Texas
- Utah
- Virginia
The filings also point to future targets, with Georgia and New Jersey mentioned as possible next states for expansion.
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