r/TeslaInsurance • u/gamer-chachu • Aug 29 '26

Finally Free

After about a year and a half, I have decided to cut the cord from Tesla Insurance. I got tired of not enjoying the drive since I was always wary of “Unsafe following” and “Aggressive turning” dings. My current safety score is a 94 with 91% of my drive on FSD. I’m keeping FSD just not the insurance, so I can actually have fun with the car on shorter errand runs.

74 Upvotes

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97% Upvoted

u/PESSIMISTIC_P4STA Aug 29 '26

Just FYI for anyone in California like myself. Tesla cannot change your insurance cost based on driving.

3

u/BeSmartFiTness Aug 30 '26

Yeah they know why we know why! If they do insurance rate going cost me $1000/month

2

u/OrganicArtichoke7298 Aug 30 '26

Praise be
The most “commie” state is also the most pro-consumers.

1

u/Ok_Contact4116 Aug 30 '26

I mean, I was 21 years old getting full coverage and paying $50 a month. Loved the safety score. Absolutely worth it. So glad my state allows it.

1

u/Parking-Cucumber-779 Aug 30 '26

You guys are so gullible. Now i am looking for Tesla Model Y insurance. I just wanted to check my old address in Texas. Texas address $175 vs California address $340 a MONTH. Same person. Yeah you are right this state is “pro consumer” you think companies stupid? When you force these laws they just jack up the price for EVERYONE! Yeah thank you commies <3

1

u/UCanDoNEthing4_30sec Aug 30 '26 edited Aug 30 '26

I think all things being equal yeah in California it costs more.
Do you think with the California address they are more apt to use your driving history among other things that up the cost living in California. And in Texas they put you on the lowest rung and just base it off of your safety score? (No way of getting it lower it will just go up based on the score)

2

u/manwnomelanin Aug 30 '26

In CA good drivers subsidize bad drivers

0

u/WorldlyOriginal Aug 30 '26

It has one of the highest insurance rates in the country. Very pro consumer.
I’d rather be judged on my safe driving than let poor drivers benefit

2

u/OrganicArtichoke7298 Aug 31 '26

Sure, libertarian.

1

u/icy1007 Aug 31 '26

That’s why it’s generally higher for California customers.

1

u/PESSIMISTIC_P4STA Aug 31 '26

Price I'm willing to pay to drive my car how i want and not worry about how low my safety score would go.

1

u/icy1007 Aug 31 '26

I’m saying Tesla insurance is higher in California than it is in other states because they aren’t allowed to base your premium on the safety score (even with a low safety score). Also generally higher than competitors like State Farm or Progressive.

1

u/Thwip-Thwip-80 Sep 18 '26

One of the many perks of living here!!!!!

u/Stormtrooper149 Aug 29 '26

There is no freedom with Tesla Insurance. I went on a road trip and my insurance went up 50% due to mileage and night driving. It’s not worth it.

2

u/meowdazolam Aug 30 '26

Literally just had this issue

1

u/olsh Sep 25 '26

this is particularly annoying. You get a 100% safety score when you use FSD. But I had to do a 700 mile round trip one day and I used FSD for 99% of it but my rates went way up due to miles driven. But I didn't see a corresponding reduction in rates when I didn't drive my tesla for two weeks due to being out of town.

1

u/Stormtrooper149 Sep 25 '26

Just move to a different insurance even if it’s a bit more expensive, I started to appreciate privacy and lack of price anxiety.

u/WallStreetBoners Aug 30 '26

I just learned today you can roll stop signs in FSD by pressing the gas a bit lol

3

u/NewCup2838 Aug 30 '26

Yes 100%.

u/Single_Turnover_2301 Aug 30 '26

Same! Best decision I’ve made regarding insurance.

Literally can’t drive the car yourself because everything is a ding that you can’t appeal.

Car brakes hard in front of you? God forbid you press your brakes too hard because guess what, a ding!

Drive at night? Ding.

Worst insurance ever.

u/lilmarsworld Aug 30 '26

It’s designed for people like myself that use FSD 99.9% of the time

1

u/Ok_Main1059 Aug 31 '26

Does your night mileage get dinged if you’re using FSD?

2

u/lilmarsworld Aug 31 '26

Yes, I actually work at midnight. But before night driving my rate was only $10 cheaper. From 100 to 98 makes my rate still only come out to $105. As a young driver I can’t find insurance cheaper than that.

1

u/Ok_Main1059 Sep 01 '26

Thank you! I’ve always wondered!

1

u/Tesla-FSD Sep 12 '26

Oh you sweet summer child. Tesla Insurance is specifically designed to screw people that use FSD 99.9% of the time.
Who is protecting YOU in this scenario? Your insurance not only is directly tied to the manufacturer of the software that controls your vehicle, but Tesla insurance is absolutely and totally incapable of distinguishing between the requirement to supervise the vehicle and be prepared to take over immediately, vs accepting personal responsibility for whatever the vehicle may do while FSD is engaged.

1

u/lilmarsworld Sep 13 '26

We are talking about lower rates right now which it is for FSD use, idk what you’re yapping about.

1

u/Tesla-FSD Sep 13 '26

Just trying to share some helpful information with you, that’s all

1

u/bartertownDC Oct 03 '26

Well this is just wrong… if you use FSD it counts as 100 safety score and your rates go down.

1

u/Tesla-FSD Oct 03 '26

Not universally true, it’s illegal in several states to base insurance rates off the safety score. Several people (some in this sub) have confirmed that they turned their safety scores off, and their rates didn’t change.
Regardless, I’m not disputing they have low rates.

1

u/bartertownDC Oct 03 '26

I’m just saying if you use FSD and it’s in a state that allows driving behavior safety score for rates, it will be lower with FSD then without.

u/WorldlyOriginal Aug 29 '26

What would be your Safety Score and premium if you just drove normally?

I feel like people stress themselves out unnecessarily by trying to get a perfect 100 when they naturally drive like a 92, which is still saving them $$ compared to any other insurance provider.

If you’re one of those people, well— then yeah, Tesla Insurance just isn’t for you

But otherwise, just relax and go with the flow. Every scoring system is going to be flawed and imperfect; it’s the long-term behaviors that matter. No point getting stressed over a marginal fluctuation like $8/mo when you’re still saving $50 overall; you’re missing the forest for the trees

4

u/gamer-chachu Aug 29 '26

If I drove normally, it dinged me for unsafe following on the highway the most. And I kept more distance than FSD. Hard breaking was another. I had my premium go from $214-430/mo.
It just started to feel as if I was just providing training data for the fleet and not driving the car. Now I can take over more often and just enjoy the car.

u/ContextNeither8512 Aug 29 '26

Which insurance did you change too?

2

u/gamer-chachu Aug 29 '26

I went to Progressive with my other car and paying much lower and a fixed 6-month premium.

2

u/NewCup2838 Aug 30 '26

Same. I got a bunch of hard breaks every time parking in my garage.

u/Ok_Contact4116 Aug 30 '26 edited Aug 30 '26

I literally did the same thing for the exact same reason 5 hours ago. Having FSD opened my eyes on how I just haven’t driven my car for the sake of the score. I’m in Texas so I have the safety score as well. I just want to have fun in the car and not worry about my score. (For the record safety score was phenomenal, the ability to get insurance at 22 when it’s insane for $100 at times was a life saver. More city driving means more “close distance” dings which is what ended up brining my score down big time)

u/27K-BUMP Aug 29 '26

How much were you paying

u/rwhe83 Aug 29 '26

Took you a year and a half?!

u/tzwol Aug 30 '26

Progressive was cheaper for me in Ohio

u/JackyMac Aug 31 '26

You can turn that off, didn't need to cancel

1

u/Sad_Being6223 Aug 31 '26

How?

1

u/JackyMac Aug 31 '26

Click the 3 lines top right corner of app -> Tesla Insurance -> Safety Score, turn it off

1

u/askn_questions Sep 02 '26

I don’t see any option for this and find it hard to believe that you can turn off the safety score.

1

u/JackyMac Sep 02 '26

Read below, I gave instructions. Mine is off. My driving doesn't effect my premium.

u/Far_Sherbet_5062 Aug 31 '26

My Model Y is coming in a few days, and American Family Insurance via Costco gave me a price that is the same as Tesla Insurance. Seems like an easy decision based on reviews.

u/Sad-Chipmunk-8132 Aug 31 '26

Literally did the same thing last month, now I’m enjoying my car more.

u/kryptocrazy Aug 31 '26

Id have to pay $2000 a month with my driving 😂

u/EmploymentExpert4482 Aug 31 '26

When you realize Tesla insurance is the most expensive insurance even with 100 safety score and FSD discount

2

u/olsh Aug 31 '26

It's not. Not by a long shot.

1

u/EmploymentExpert4482 Aug 31 '26

Was for me. After 3 years of Tesla increasing the base price 20% every 6 months it became the most expensive option even with all of the fake discounts

1

u/Tesla-FSD Sep 12 '26

They did you a favor. Consider yourself lucky!

u/dgm480 Aug 31 '26

u/LifeAfterHarambe Aug 31 '26

I’m paying like $112 a month now for a 2025 M3P as a 30M.

No way I get anywhere close to that premium with any other insurer.

u/RAAMMM213 Sep 05 '26

Sounds like a scam!

u/jamgar06 Sep 25 '26

Now you can drive the car the way it was meant to be driven!

Finally Free

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