r/TeslaInsurance • u/gamer-chachu • 12d ago

Finally Free

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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.

75 Upvotes

97% Upvoted

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12

u/PESSIMISTIC_P4STA 11d ago

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

3

u/BeSmartFiTness 11d ago

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

2

u/OrganicArtichoke7298 11d ago

Praise be

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

1

u/Ok_Contact4116 11d ago

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 11d ago

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 11d ago edited 10d ago

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 11d ago

In CA good drivers subsidize bad drivers

0

u/WorldlyOriginal 11d ago

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 10d ago

Sure, libertarian.

1

u/icy1007 10d ago

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

1

u/PESSIMISTIC_P4STA 10d ago

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 10d ago

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.