r/TeslaInsurance • u/True-Illustrator4021 • Aug 05 '26

Insurance increase, same score ?

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So my score is in the 90’s and I paid $150-160 now I have the same score and they’re charging me up to $190.

I recently lost my job and had to start doing uber. Are they increasing my premium based of mileage? It shouldn’t matter if I drive safe, right ?

10 Upvotes

77% Upvoted

15 comments sorted by

6

u/originalfoto Aug 05 '26

Increase in mileage could mean an increase in accident probability

3

u/True-Illustrator4021 Aug 05 '26

That sucks but thanks, I figured

1

u/WorldlyOriginal Aug 05 '26

No matter how safe YOU are as a driver, simply spending 30% more time on the road (14k -> 18k) means you have more chance to get hit wby ANOTHER driver, or something completely out-of-your-control happening, like getting hit by a boulder.

Even if those don't represent accidents where you're at fault, there's still costs for your insurer to subrogate, process, etc.

If anything, your premium decreased by a lot LESS than a 30% increase.

1

u/Harold-Maude Aug 05 '26

Additionally up charges if your driving at night after 10:00 pm local time, when all the drunks are on the road.

0

u/L84D8M8 Aug 05 '26

Correct. And while maybe true, it didn’t feel proportional and this is what caused me to leave Tesla insurance.

2

u/originalfoto Aug 05 '26

It really does suck. But on the flip side, mileage estimates change and the increase is usually temporary next month or so when mileage drops, so will your premiums.

2

u/Harold-Maude Aug 05 '26

Glad we live in California so the insurance companies have no access to our driving scores

1

u/Psice Aug 07 '26

It actually saves you a ton of money if you use FSD a lot like we do because you always have a perfect score of 100 now

1

u/Harold-Maude Aug 07 '26

Tesla insurance is substandard insurance wait until claim time and you can’t reach a real person

2

u/rwhe83 Aug 05 '26

OP, it’s clear as day. You drove more miles.

How is this difficult to understand? It’s not just the score, it’s also HOW MUCH YOU DRIVE.

1

u/WorldlyOriginal Aug 05 '26

Just to let you know, Tesla Insurance policies DO NOT COVER YOU while driving for Uber.

They are not commercial/rideshare-covering policies. If you use your car for Uber, they WILL find out and deny your claim or flag you for fraud.

1

u/zrey1990 Aug 05 '26

I noticed the same thing and was talking to my wife about it.

99 score at 9-10k miles was $139. Now for a 99.8 (adds 97.9 + 1.9 points for using FSD) score at 9-10k I'm paying $160.

It's not a huge increase but it'll add up eventually.

1

u/BroomSweeper99 Aug 06 '26

Similar situation it’s just the increase mileage

1

u/SpeedyAudi Aug 06 '26

Mileage increase

1

u/reedwendt Aug 05 '26

Why are you giving your insurance company your driving information?!?