The Cybertruck was recently shown off in a matte black wrap
SawyerMerritt/X
The Tesla Cybertruck was on display in Malibu on Sunday. It wasn't the stainless steel beast that was catching rays. No, Tesla's Chief designer, Franz von Holzhausen, went for a Sunday drive in a matte black Cybertruck.
Remember when "experts" thought the Cybertruck appeal would wear off because there would be too many that look alike? Well, the wrap game changes all of that, and Tesla has done a great job demonstrating that over the past few months.
The Aesthetic Array of Cybertruck Wraps
Since its unveiling, the Cybertruck has promised a departure from the mundane, and the various wraps spotted recently solidify this claim. Here are some of the unique skins that have adorned the Cybertruck's angular frame:
Matte Black: Sleek and undeniably badass, the matte black wrap gives the Cybertruck a stealthier yet distinguished presence.
A camo-wrapped Cybertruck
tenetenergy/X
Camo: For those looking to blend in (or stand out), camo wraps take the Cybertruck from an urban warrior to a potential wilderness navigator.
A 'digital camo' wrap on the Tesla Cybertruck
kjoule11/X
Digital Camo: This option brings a touch of modernity to the classic pattern, offering a pixelated twist on concealment.
The Cybertruck was seen with a graffiti-like font on the side
SERobinsonJr/X
Graffiti: The Cybertruck that took a tour through Baja had a graffiti "Cybertruck" on the side.
Oracle showed off what a law enforcement Cybertruck could look like
Oracle
Oracle: Larry Ellison showed just how fantastic a company logo will look on the side and the hood of these futuristic trucks
The Cybertruck was found with yet another wrap, this time resembling a F150
John Anderson
Faux Ford F-150: In an old display of bravado, one wrap mimics the appearance of the Ford F-150, complete with imitated door handles. It's a playful wink at traditional truck designs, perhaps teasing at the Cybertruck's intention to disrupt.
Tesla didn't stop at the Ford F150 wrap. Shortly after the Cybertruck was spotted sporting a Toyota Tundra wrap
Cybertruck Owners Club
Faux Toyota Tundra: Not to be outdone, Cybertruck has also been spotted with a resemblance to Toyota's Tundra — another old guard truck that will soon be disrupted.
Unique Cybertruck
Adam Jonas, Morgan Stanley's managing director, advised staff to manage expectations for clients excited about investing in Tesla. He listed several reasons for downplaying the Cybertruck, calling it a financial "side-show," a "cultural/zeitgeist," and an "enthusiast/cult car."
The investment advisor called the Cybertruck the "ultimate avant-garde vehicle," believing that the unique aspects of Cybertruck will lose some appeal when there are several on the road, losing that "indescribable something." That argument is dead.
Tesla is no stranger to the concept of vehicle wraps. With the Model 3 and Model Y, they've introduced an official wrap service, suggesting that Cybertruck owners may soon have the same option. It's not just about aesthetics; these wraps come with a layer of protection against the elements and the rigors of the road.
From the practical to the peculiar, the wraps we've seen on the Cybertruck suggest that Tesla owners will have no shortage of options to make their electric pickup their own.
Franz driving the Matte Black Cybertruck ? at the Paradise Cove Cars & Coffee. pic.twitter.com/siwk4RJvxY
In the latest episode of Jay Leno’s Garage, Tesla’s VP of Vehicle Engineering, Lars Moravy, confirmed that the new Model Y will feature adaptive headlights.
As Moravy was talking about the updated headlights in the vehicle, which now sit a few inches lower than before, he stated that in a couple of months, Tesla will add adaptive headlights in the U.S.
While Tesla has already introduced adaptive headlights in Europe and the Indo-Pacific, the feature has yet to make its way to North America.
Originally delayed in the U.S. due to regulatory issues, manufacturers have been able to implement adaptive headlights since mid-2024. Meanwhile, competitors like Rivian and Mercedes-Benz have already rolled out their own full matrix headlight systems, matching what’s available in other regions.
Update: This article has been updated to clarify that adaptive headlights will indeed be launched in the U.S., shortly after the vehicle launching in March.
Currently, Tesla in North America supports adaptive high beams and automatic headlight adjustment for curves, but full matrix functionality has yet to be rolled out. Meanwhile, matrix headlights are already available in Europe, where they selectively dim individual beam pixels to reduce glare for oncoming traffic and adapt to curves in the road.
It was surprising that matrix functionality wasn’t included in the comprehensive 2024 Tesla Holiday Update. This feature would likely improve safety ratings, so we can only assume Tesla is diligently working to secure regulatory approval.
Adaptive Headlights on Other Models
Lars didn’t confirm whether the refreshed Model Y comes with the same headlights as the new Model 3 and the Cybertruck, instead simply calling them "matrix-style” headlights.
The headlights on the new Model Y appear very similar to those available in the 2024+ Model 3, possibly meaning these other models will also receive adaptive headlight capabilities in the next couple of months.
For vehicles with older-style matrix headlights, it’s unlikely that adaptive beams support will launch at the same time, but they will hopefully become available soon afterward.
For the first time since launching Tesla Insurance in 2019, Tesla will begin underwriting its own policies, starting in California.
Tesla Insurance originally debuted in California and has since expanded to several U.S. states. Until now, policies were underwritten by State National, a subsidiary of the Markel Insurance Group. However, Tesla is now transitioning to fully in-house underwriting, beginning with its home state.
As part of this shift, California Tesla Insurance customers who receive an in-app offer to switch will be eligible for a one-time 3% discount on their next term’s premium—covered entirely by Tesla Insurance.
What is Underwriting
Underwriting is the process an insurance company uses to assess risk and determine whether to offer coverage, at what price, and under what terms.
Insurers evaluate factors such as driving history, credit score, age, vehicle type, and location. In Tesla’s case, vehicle driving data (not available in California) also plays a key role in risk assessment. These factors help classify drivers into risk categories, which influence their base premium.
From there, coverage limits, deductibles, and policy inclusions or exclusions can further adjust the final premium up or down.
Robotaxi and Other Benefits
At first glance, underwriting insurance might seem like a complex and costly process for Tesla. However, there are several compelling reasons why this move makes sense.
Insurance Income: Insurance is a highly profitable industry. Companies set rates based on risk, offering lower premiums to safer drivers and higher rates to riskier ones. This not only maximizes profitability but also incentivizes safer driving behavior, reducing overall claims.
Data Advantage: Tesla collects vast amounts of driving data through its Safety Score system. While California doesn’t allow Safety Score to impact premiums, Tesla can still use this data in the underwriting process to refine risk assessments and pricing for its vehicles.
Control Over Repair Costs: By underwriting its own policies, Tesla gains direct control over repairs and total loss decisions. This allows them to dictate when, where, and how repairs are done, optimizing costs for parts, labor, and service while ensuring vehicles are fixed according to Tesla’s standards.
FSD-Driven Discounts: Tesla has already begun offering insurance discounts for drivers using Full Self-Driving (FSD). By underwriting its own policies, Tesla could expand these incentives, potentially offering greater discounts to frequent FSD users in the future.
Preparing for Robotaxi: Perhaps the biggest long-term reason for this shift is the June launch of the Robotaxi fleet. How will Tesla insure these vehicles? The answer is simple—by underwriting its own policies and assuming liability.
Tesla’s decision to underwrite its own insurance isn’t just about cutting out middlemen—it’s a step toward lowering costs, increasing profitability, and preparing for the future of autonomous driving, a risk many insurance companies may be unwilling to make.
Further Expansion
This could be a strong sign that Tesla is preparing to expand its insurance offerings now that it has taken on the underwriting process itself. In July 2024, Tesla hired a former GEICO insurance executive to lead the expansion of Tesla Insurance and help reduce costs—a move that now appears to be paying off.
Rather than a traditional expansion, Tesla has instead made a bold move by bringing underwriting in-house, something few expected. However, it aligns with Tesla’s strategy of vertically integrating and controlling key aspects of its business, whether in manufacturing, software, or now, insurance.
If this pilot program proves successful, it could pave the way for Tesla Insurance to launch in more states—and potentially even other countries. With 2025 shaping up to be a pivotal year, we may see Tesla accelerate its insurance expansion sooner than expected.
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