Tesla Insurance: A look at its cost and which states it's available in

August 13, 2022

By Gabe Rodriguez Morrison

Tesla is rapidly expanding their insurance offering

Not a Tesla App

Tesla Insurance is a competitively priced insurance product that offers Tesla owners a new option.

Tesla has a unique understanding of its vehicles, technology, safety features and repair costs, which help eliminate some fees associated with traditional insurance carriers. Tesla Insurance provides a convenient monthly payment and the ability to manage claims and coverage directly through the Tesla app.

It also puts you in control, since your insurance premium is in part based on your driving habits.

Where is Tesla Insurance Available?

The service is currently only available in select U.S. states, but it continues to expand to additional states. Tesla CEO, Elon Musk says it will also expand to Canada in the future.

Tesla Insurance is currently available to Tesla owners in the following states:

Arizona
California
Colorado
Illinois
Minnesota
Maryland
Nevada
Ohio
Oregon
Texas
Utah
Virginia

Who Can Purchase Tesla Insurance?

New and current Tesla owners can purchase an insurance policy in the Tesla app by tapping the profile icon located in the top-right corner and selecting ‘Get Tesla Insurance.’

If you've recently placed an order for a Tesla, you will need to wait until a VIN is assigned before ordering Tesla Insurance.

Tesla is rapidly expanding their insurance offering

Not a Tesla App

Additional Vehicles

Tesla Insurance will not only cover Tesla vehicles but also any other vehicles you may own.

You can add additional vehicles when submitting the policy.

However, Tesla Insurance is currently limited to vehicles and Tesla does not offer home insurance or other types of insurance policies.

What You Get with Tesla Insurance

With Tesla Insurance you can view documents, billing, payment details and make claims all from the Tesla app.

Like other insurance companies, there are a variety of plans with varying levels of coverage depending on your needs.

How Does Tesla Insurance Work?

Tesla collects data from the vehicle that helps assess how the vehicle is being driven.

Unlike other insurance products, Tesla does not require an additional device to be installed in the vehicle. Instead, Tesla uses features already included to determine how often the vehicle is driven, and how often the driver follows too closely or stops harshly.

This data is then used to help determine the driver's insurance premium.

The insurance premium also factors in the vehicle model, the insuree's location, and the distance the vehicle is driven.

Tesla Insurance users make monthly payments based on their driving behavior rather than factors typically used by other insurance providers, such as credit, age, gender, claim history and driving records.

Tesla Insurance Cost

Every insurer has different factors to determine their costs and their customers' likelihood of getting into an accident. While Tesla Insurance could save you money, it could also cost more than alternatives available in your state.

According to Tesla, "An average driver could save between 20% to 40% and the safest drivers could save between 30% to 60%."

Your Safety Score can have a large impact on your insurance premium

@GailAlfarATX/Twitter

Big reason to own a Tesla in the states where they offer insurance. next month insurance will be $60/month, down from 88 because of a 98 safety score maintained. Best car ever @elonmusk pic.twitter.com/fROEsx3Wfa
— Gail Alfar (Texas) (@GailAlfarATX) May 8, 2022

We've seen scenarios where Tesla Insurance saves someone hundreds of dollars a month, but we've also seen it cost significantly more than its competitors.

There are many factors that determine your insurance premium. If you're new to Tesla or haven't shopped around in a few years, we recommend getting a free quote from Tesla to see whether Tesla Insurance would save you money.

You can also read more about how Tesla determines your Safety Score which is used to set your insurance premium.

Tesla insurance price is insanely low. Six cars covered with two Plaids and includes my brother in the coverage for $599 per month! 9K miles/car $500 comp, $1k collision. Progressive wanted over $1k/month ??‍♂️ @elonmusk pic.twitter.com/rAWDjoxJi8
— Ziggy (@mcjazz1232) January 25, 2022

Norway Approves Tesla’s FSD Testing on Public Roads; Potential for Europe-Wide Deployment

April 26, 2025

By Karan Singh

Not a Tesla App

According to filings found by Kees Roelandschap on X, Tesla has obtained a 2-year exemption from UNECE autonomy regulations to run FSD Supervised on public roads in Norway. This marks one of the first positive developments for regulations and autonomy in Europe — great news for European customers.

Previously, European transportation agencies stressed additional caution and requested more time to legislate, further delaying the widespread UNECE regulation changes for autonomous vehicles.

Norwegian FSD - Employees Only

Following the recent approval from the Norwegian Road Authority, Tesla will be permitted to use its Supervised vehicles on public roads in a testing capacity. This exemption does not yet apply to customers, so we will have to wait and see how testing progresses.

Tesla will specifically be allowed to run FSD V13 and its derivative builds (meaning AI4 vehicles only) with automated steering and speed controls on EU-registered and approved vehicles.

Tesla will also be required to have Tesla-trained drivers (employees) conduct the testing. There is no specific policy in place that enables the use of FSD for customers at this time. However, as testing is conducted and bureaucratic hurdles are overcome across various transportation departments, Tesla may be able to extend the offer to European customers. According to Tesla’s latest earnings call, the company still plans to release FSD in Europe by the end of the year.

Tesla has already begun testing in the Netherlands, showing off FSD’s capabilities in Amsterdam.

FSD Supervised in Europe, pending regulatory approval pic.twitter.com/PYkcATjSUN
— Tesla Europe & Middle East (@teslaeurope) April 5, 2025

Article 39 Exemption

The UNECE can grant exemptions for innovative technologies that move faster than legislation under Article 39. However, Tesla requires the backing of a national ministry of transport to bring this to the UNECE’s attention. The next round of voting on critical issues is expected on May 12, 2025, which may not leave Tesla much time to present its findings to UNECE.

We don’t expect Tesla to receive authorization immediately. It may take several weeks or months of testing from the Netherlands or Norway teams before one of the two countries is willing to support Tesla’s exemption bid.

However, if Tesla achieves an Article 39 exemption, it could allow Tesla to roll out FSD to customers across Europe, provided there are no country-level exemptions.

Tesla Reintroduces FSD Transfers in North America

April 25, 2025

By Karan Singh

Not a Tesla App

Following customer requests, Tesla has once again returned FSD Transfers for North America. This comes after some new details we received on FSD Supervised and Unsupervised at the recent Q1 2025 Earnings Call.

Vox Populi, Vox Dei … FSD Transfer is back

All countries (in NA), all S3XY + @cybertruck (excl Foundation Series & Launch Series)
— Tesla North America (@tesla_na) April 25, 2025

FSD Transfers

This latest round of FSD transfers doesn’t have a specific time limit - so if you’re in the market for a new vehicle and were worried about transferring FSD from a HW3 vehicle - now is the best chance.

This transfer opportunity is applicable for any new vehicle purchases, including the Model S, 3, X, Y, as well as the Cybertruck. The only vehicles it doesn’t apply to are the Foundation-Series Cybertruck or a Launch-Series Model Y, which already come with FSD included.

If you’re conducting an FSD transfer, you’ll need to reach out to your Tesla delivery coordinator through the Tesla app to confirm you’re eligible and to get the process started.

Note that once you take delivery, FSD access is removed from your older vehicle, regardless if you plan to trade in your vehicle or keep it.

Canada and Mexico

For those in Canada and Mexico, there’s some good news. This opportunity is available for customers in those countries as well, however, new vehicle orders are currently paused in Canada and Mexico for unknown reasons.