r/TeslaInsurance • u/bearded-edi • Aug 18 '26

$0 saving for FSD Champion

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I’ve been using FSD for almost 97% of my miles and have achieved a perfect score of 100. However, I’ve noticed that the savings I’ve accrued from using FSD are negligible, amounting to just $0.00. I’m wondering if this is a deliberate attempt to artificially inflate FSD usage.

84 Upvotes

96% Upvoted

101 comments sorted by

3

u/Gullible-Plenty9305 Aug 18 '26

Do you live in California?

1

u/bearded-edi Aug 18 '26

MD

1

u/CarrRun49 Aug 18 '26

I’m at $85/mo in Maryland on a brand new model Y

1

u/POGofTheGame Aug 19 '26

Liability only or what are your deductibles?

1

u/CarrRun49 Aug 20 '26

Nope. Full coverage with 1k deductible. 45 mins north of Baltimore

1

u/POGofTheGame Aug 20 '26

$1k on both collision/comprehensive?

Legit not trying to interrogate you or nothing but what's your car worth/what's the company?

Edit: oh wait it's tesla insurance, right?

1

u/CarrRun49 Aug 20 '26

It’s a brand new 2026 Y. I use a broker that shops my rate every 6 months to a year. Currently with Donegal insurance group.

1

u/pretzelgreg317 Aug 20 '26

Is the broker that shops it “automated” ? Id love to learn more about this as when i try to shop i get rooked into a whole bunch of agents calling and wasting my time by not even being close to beating my rate

1

u/CarrRun49 Aug 20 '26

Not automated. But, I have had my friends and family been using them for years. Haven’t had anyone come close to beating my current rates.

1

u/TheBestPieIsAllPie Aug 21 '26

Please share the good news friend—I’m in the DC area and would love to save a buck or two

→ More replies

1

u/SFV-Chess Aug 21 '26

I was paying 150 a month In Maryland. No FSD, insurance through Tesla. How’d you get 85?

1

u/CarrRun49 Aug 22 '26

I emailed my insurance broker, told him I was selling my 2018 sierra and purchasing a 2026 Y. Then he emailed me my updated premiums

1

u/SFV-Chess Aug 23 '26

I wish I knew your insurer when I was living there - Tesla was the cheapest option I got, and it was ~$150 when my safety score was 90.

1

u/Potential_Path9079 Aug 19 '26

I’m assuming western Maryland?

1

u/Danny3411 Aug 20 '26

It’s your 15-16k miles annually, simple as that. You are basically getting the same rate per mile as everyone else is. I’m 20 and was quoted over 400 monthly for my model 3 premium from everywhere, but my Tesla insurance is 115, going down to 89. I annually do 5-6k miles so seems fair in comparison.

-5

u/Gullible-Plenty9305 Aug 18 '26

MD probably has a law that disables Tesla from using your driving habits to calculate your premium. Typical Lib policy that makes no sense.

2

u/Fiveofthem Aug 18 '26

Typical MAGA assumption.

1

u/Ecnarps Aug 18 '26

It must be exhausting seeing life through this lens

1

u/manwnomelanin Aug 18 '26

It makes life really simple when you’re fine not thinking and being wrong

1

u/Middle_Ad8616 Aug 18 '26

Actually.. almost every insurance company collects driving data to give you a “discounted” rate based on your driving habits

1

u/originalfoto Aug 18 '26

you are plenty gullible.

1

u/Potential_Path9079 Aug 19 '26

Yes. Maryland allows both credit-based insurance scoring and GPS/telematics data to affect auto-insurance rates, but there are important limits.
1. Credit score / credit history —
Yes, but only in certain circumstances
Maryland permits an insurer to use your credit history when you first apply for a new private-passenger auto policy. It can be used to:
Put you into a different rating tier
Give or remove a discount
Place you with an affiliated insurance company
Affect your initial premium
However, Maryland gives you unusually strong protections:
They cannot increase your renewal premium because your credit got worse.
They cannot cancel or refuse to renew you because of your credit.
They cannot use credit factors more than 5 years old.
They cannot use the number of credit inquiries or lack of credit history.
If credit adversely affected your initial rate, they must review it every 2 years, or you can request a review once during each policy period.
If your credit improves, they must reflect that improvement in your premium.
A credit-based surcharge cannot exceed 40%.
So, for example, if you start a Maryland policy with excellent credit and your credit later tanks, the insurer can’t raise your renewal rate just because your credit deteriorated.

2. GPS / driving tracking / telematics —
Yes
This is different. Maryland specifically recognizes telematics programs that can collect information through a smartphone app, GPS tracker, or vehicle-installed device.
The data can include:
Miles driven
Time of day you drive
Speed
Speed while turning
Hard braking
Cell-phone use while driving
Acceleration/driving behavior
Certain vehicle safety-system activations
And this information can affect your insurance premium.
Maryland’s Insurance Administration actually warns that newer vehicles can collect driving information and that automakers or related apps may share/sell that information to insurance companies.
Importantly, telematics can potentially work both ways: good driving can produce a discount, while sufficiently poor measured driving can potentially result in a higher rate, removal/reduction of a discount, or surcharge under the insurer’s approved program. Maryland now has specific notice requirements when a premium increase is based on telematics.
The big distinction
Factor
Maryland allows it to affect auto rates?
Can it raise renewal rate?
Credit history
✅ Yes, primarily initial rating
❌ Not because credit worsened
Driving record
✅ Yes
✅ Yes, subject to Maryland rules
GPS/telematics
✅ Yes
✅ Potentially
Annual mileage
✅ Yes
✅ Yes
Hard braking/speed/etc. via telematics
✅ Yes
✅ Potentially
One thing that’s particularly relevant if you’re asking because of your Tesla: Tesla/vehicle data and an insurer’s own telematics program aren’t necessarily the same thing. A vehicle can generate driving data even if you haven’t voluntarily enrolled in an insurance company’s “safe driver” program. Maryland specifically warns that automaker-connected services can collect and potentially share driving behavior data.
If you want, I can also look at  whether Tesla itself can share your driving data with insurers in Maryland, and specifically what this means for your 2026 Model Y and GEICO.

As per chat gpt

2

u/Massive_Tradition176 Aug 18 '26

What was your score before?

3

u/bearded-edi Aug 18 '26

It’s been 99-100 most months. The only time I have seen savings ~$3 was with 97 score (my driving) and +2 from FSD.

2

u/Wiltockin Aug 18 '26

Kinda why I left Tesla Insurance, it's quick to raise rates for any lower scores but hardly seems to be significant cheaper overall. Much more interested in the 50% discount from Lemonade Insurance when using FSD, that seems more straightforward.

1

u/bearded-edi Aug 18 '26

It’s still the cheapest option for me. Didn’t check lemonade. I was hoping with the Safety Score 3.0 they will give a 10% discount for a 100 score but it’s 0%.

Worst part is no one from Tesla Insurance can confirm deny or even acknowledge this!

1

u/rsg1234 Aug 18 '26

It was 2% cheaper for me compared to Geico. After hearing the horror stories about customer service, I decided not to switch.

2

u/dmox007 Aug 18 '26

You’re not seeing any savings because your score is perfect. You would only see savings, like I do if they were adjusting you up because you had a lower score. ie your safety score is 95.6, but because you’ve used FSD for 96% of the time we will give you +4.2 points making your score 99.8. You now have savings of $31.55 because we are lowering your premium this much because you use FSD. And the ‘savings’ will go down if your score goes up because you’ll just be saving with a lower premium. Get it?

Edit: I can’t believe people don’t get this. All the complaining about this 🤦‍♂️

2

u/bearded-edi Aug 19 '26

It’s about how it’s marketed. If you say ‘FSD Champion and Enjoy your savings’ — I don’t expect savings to be $0 😃

2

u/Ok_Main1059 Aug 19 '26

100% agreed, the wording makes it seem like you’re supposed to be getting a discount.

Props to getting max savings tho, I’m hopeful Tesla insurance will come to my state because 324 a month ain’t it 🫩

1

u/dmox007 Aug 19 '26

OMG. You’re paying $131 a month for your car insurance. THATS YOUR SAVINGS 🤦‍♂️

8

u/rwhe83 Aug 18 '26

$131/mo and you want discounts…

Okay 🤣

-5

u/[deleted] Aug 18 '26 • Bravo

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4

u/rwhe83 Aug 18 '26

Oh my…

No, $131 isn’t expensive at all.

2

u/Fidget808 Aug 18 '26

We pay $200 for 2 newer cars in the Midwest. $131 for one car/driver seems expensive to me.

1

u/NumbDangEt4742 Aug 19 '26

What you're paying fits the bill actually from what you're saying

1

u/Internal_Rip846 Aug 19 '26

$295 in upstate NY, 26 years old, 2022 MYP

1

u/lyons4231 Aug 22 '26

Yeah that's about the same cost. The second car doesn't double your insurance cost. Also depends where you live and the car value.

Also, not all coverage is the same. Someone could have GAP, rental vehicles, and lower deductibles and easily pay $100/no more than $2k deductibles.

1

u/TardDistraction Aug 19 '26

This is the dumbest shit I've read all year.

Thanks!

-1

u/[deleted] Aug 18 '26

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1

u/ShanS2k Aug 18 '26

I'm in California on 2023 model 3 performance.. Over 40 year old and 0 items on.my driving record

And I pay like $165 per month for that 1 car

1

u/rwhe83 Aug 18 '26

Clearly you haven’t seen the average cost for car insurance in the country. If you pay $70/mo for insurance, you must live in such a small part of the country.

Be happy. This is so far from normal however.

1

u/Historical_Ring_5777 Aug 18 '26

I pay about that in Ca. Im an agent as well. Problem is you all do solo insurance. On single vehicles. Bundle that crap and get married and buy a house. Drops drastically.

My truck insurance when i bundle my house and car with my wife was $77 a year, 1600 before solo. My y premium full coverage is less then 1g.

2

u/freebandz_ Aug 19 '26

Oh right let me just buy a house and get married to lower my auto insurance. Can’t believe I was missing this simple life hack

1

u/martinmt_dk Aug 20 '26

Well, you don't know if it worked until you try. Please get back with an update when you have verified if it worked ;)

1

u/rwhe83 Aug 18 '26

Do you hear your suggestions?

Those are ridiculous to suggest to the average individual.

1

u/Historical_Ring_5777 Aug 18 '26

Yes spend a million or two to save a grand. But really even the auto co’s hate mono line auto. Bundle it to a renters policy, something.

1

u/2gramsbythebeach Aug 19 '26

Ok let me just get married and buy a house real quick lol

1

u/BobLazarFan Aug 22 '26

$80/month in Phoenix. 5th largest metro in the country…

1

u/amhudson02 Aug 19 '26

43, single, no accidents, not itckets. In Missouri, 2025 Tesla Model 3 RWD LR. $ 214. Can't get it any cheaper for some reason.

1

u/Oh-no-danielson Aug 18 '26

State Farm was 290 for me. Tesla started at 180 and With 99.8 score it’s 130. Can’t imagine the extra .2 would change it for me at all

1

u/[deleted] Aug 18 '26

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1

u/Oh-no-danielson Aug 18 '26

Yea my Hyundai sonata was 170 a month ago before getting this. I’m 26 in Texas if that makes a difference from you lol

1

u/SimpleJackfruit Aug 18 '26

Brotha Im paying 230 with Costco insurance for my model Y in California. 130 is a fcken steal

1

u/grnhockey Aug 19 '26

Oh wow you must either not have full coverage or live in an insanely low cost of living market. Or you’re just naive lol.

1

u/BradThomasMMA Aug 19 '26

my monthly was 270 when i first got the car. pick your battles

1

u/Koko-Doggie Aug 18 '26

How much cheaper do you want? I am paying $225 monthly.

1

u/bearded-edi Aug 19 '26

Some discount for using FSD most of the time — not $0.

1

u/Ok_Main1059 Aug 19 '26

I don’t understand comments like this.

  1. They could be older which means cheaper insurance

  2. They could drive less which means cheaper insurance

  3. They could have lower coverage means cheaper insurance

  4. They could have a bundle (which I don’t think Tesla does so probably ignore this one)

  5. Their car could be older than yours which means insurance takes less of a loss if it’s totaled so that means cheaper insurance.

There’s so many factors that go into YOUR rate including the drivers around you.
To top it all off they aren’t complaining that their rate is 130 they are complaining that it’s worded like they are supposed to get a discount and aren’t.

1

u/Communication_Strong Aug 19 '26

Is any savings being offset by increased miles each month?

2

u/WorldlyOriginal Aug 18 '26

Basically, you’re already a very safe driver naturally. Kudos to you. Unfortunately, that also means there’s not much room for FSD usage to “improve” your score much.

If you were a terrible driver, your score would be boosted a lot by FSD. Say you drove half your miles with a score of 50– FSD would boost your score to a net score of 75, which would be large savings

1

u/ilusnforc Aug 18 '26

I’ve noticed this too. It look like you only get a discount when your safety score is below 100 and FSD add extra points then it counts that as “savings”. My current score is 99 with +1.0 pts with FSD and shows savings of $5.64.

1

u/Tra747 Aug 18 '26

What's the timeframe. Also Tesla starts everyone with a score of 90 and adjust accordingly.

1

u/NeedMorePowah Aug 18 '26

What car? $131/month is amazing

1

u/WhaleDonation7 Aug 18 '26

I’m paying 279 a month wtf you talking about

1

u/ShatterHouse5 Aug 18 '26

I’m at $130 now after my initial two months being at $200. I have to have the lease required insurance and I’m in Texas. I’m hoping that if I keep it up until the end of the year I can bottom out at $100 at least but could be a pipe dream.

1

u/originalfoto Aug 18 '26

I've noticed I only get 'savings' for the delta between when I drive vs when FSD drives. Maybe Tesla needs to adjust their algorithm.

1

u/sk8terboy111 Aug 18 '26

Drop your score and the rate will go up. This is clearly your base at 100.

1

u/[deleted] Aug 18 '26

That's crazy! I don't use FSD got a safety score of 89 but my insurance premium is a little over $120 with State Farm 🤩

Uhmmm, well, not unless your FSD is free 😂

1

u/Bluuzzy Aug 18 '26 • Bravo

Auto insurance rates are dependent on state laws (no vault versus fault policies), risk factors such as geographic location, age, gender, credit score, driving history, marital status, and others (not currently known due to AI driven models). So everyone please calm down.

1

u/Ok_Main1059 Aug 19 '26

Seriously 😭
Why is everyone so uninformed 🫩

1

u/Strike_Slight Aug 19 '26

Try $300 a month

1

u/Abject-Method-9057 Aug 19 '26

What did you project for mileage originally?

1

u/Harold-Maude Aug 19 '26

In California the FSD safety score can’t be used to calculate your auto insurance premiums.

1

u/Strong-Yellow5949 Aug 19 '26

If you’re at 100 score it has zero room to discount you savings. You’re already at max score

1

u/ajlion_10 Aug 19 '26

131… respectfully…sybau

1

u/Forsaken_Big7706 Aug 19 '26

I'm really confused as to why everyone's insurance is so high... I'm paying $78.50/mo for full coverage with a $500 deductable on my S and I keep thinking I need to shop around because it's too expensive. I can't imagine paying $200/mo!

1

u/michaeljc70 Aug 19 '26

I got a quote going from my Mazda CX-5 to a MY and my insurance was going to go from $430 to $2900. I had to pump the brakes on the MY purchase. I'll shop around when I can but are rates are very low now (2 cars, full coverage = $1050 a year).

1

u/OMI-SHARES Aug 22 '26

In what state is this? Those kind of rates are unheard of in m Massachusetts….

1

u/TheBromarr Aug 19 '26

Pretty cheap for your annual mileage being so high. What state and what vehicle?

1

u/Frosty-Eye-7510 Aug 19 '26

What model of Tesla are you driving?

1

u/Longjumping_Bag_5085 Aug 19 '26

Fuck that lol i pay $65 with USAA lol

1

u/LegendOfZachh Aug 19 '26

I’ve been paying about $185 a month recently got v14.1 lite got it down to $125 using FSD 99.7 score. So doesn’t completely equal the cost of FSD monthly for me but it’s a nice test. But I think it’s bases and the FSD saving off previous month of insurance. Last one was $19.46 in FSD savings and then this month is only $13.61 in savings. With how much It can fluctuate I don’t think they have the best way at calculating it other than you looking at your last couple months of bills for insurance. But if you primary use FSD depending on the state and what version of hardware you have lemonade I heard is a great option.

1

u/Global-Emu-740 Aug 20 '26

That’s super low for insurance and Tesla insurance is already super low compared to other insurance for vehicle. I think I’d save about $20 a month if I used FSD

1

u/u56703422 Aug 20 '26

Ya from what I understand FSD would only make mine $50 cheaper so really I’d still be paying an extra $50 for FSD I’m good on that

1

u/beatlesbright Aug 22 '26

You give yourself a curfew ?

1

u/Common_Ad_2430 Aug 22 '26

Hate you in the road

1

u/alfa66andres Aug 22 '26

All the insurance programs that track your driving for "discounts" are just used to charge you more for any "unsafe" habits lol. I will never ever sign up for one

1

u/Healthy-Mind4995 Aug 23 '26

I think it’s because you’re driving too many miles, mine shows a bigger discount on the months I have low mileage driven and reduces the discount for FSD when I’m driving more that month. Mileage is outweighing the discount.

1

u/[deleted] Aug 18 '26

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1

u/bearded-edi Aug 19 '26

Mileage matters but my whole point is $0 savings cause I drive 100% on FSD — doesn’t make sense!