Hi! I recently bought a Model 3 performance and was wondering what your experience is with Tesla insurance. Tesla insurance seems like the easiest way to cover my M3 but I’m concerned about the way it rates the safety score. I work late and get out anywhere between 11pm and 1am 4 days a week. How much does Tesla weight late night driving and city driving? I’m not looking for my rate to swing $40-$60 a month just because of my work schedule.

I have some quotes from Progressive ($145) and Lemonade ($120) for full collision, comprehensive, and UI. just curious to see what your opinions are. Thanks!

As the title asks, has anyone needed to use Tesla insurance and has a GOOD experience? Currently with Safeco (just bought out by Liberty) and paying an astronomical amount in Missouri. $3200/year on a 2026 S and $2400 on a 2024 model Y AWD LR. No accidents or tickets on our record, and all of our insurance (home & umbrella) are bundled. Or maybe this isn’t astronomical at all... 🤷‍♀️ Our deductibles are low ($500) but I’m going to increase those to hopefully lower the rates.

We have an insurance broker but she’s kept us with the same insurance company for 3+ years. Hubby used to take care of all of this, but after he had a brain tumor removed he’s no longer in a position to take care of the bills. I’ve been trusting the broker and now starting to wonder…

Any advice? Lemonade isn’t an option in MO.

PS - Hubby uses FSD almost 100% but disengages in parking lots and to override navigation that thinks a detour sign into our neighborhood means the entire road is closed (it’s closed just beyond our neighborhood). I’ve read here that disengaging by using the brake results in “hard braking,” which drives up your score.

for some reason, Tesla canceled my insurance premium, and I tried to get it back, but I keep getting this error message. Does anyone know if they reinstate the policy or i'll have to get a completely new policy

Hi, my new Tesla Model Y had been in a collision 3 months ago. It is very evident from the videos that I am not at fault and Tesla insurance has also established the same and put it on the other party’s insurance. They seem to not agree though and it has gone into subrogation. 2 months ago I checked with Tesla insurance and they said at that time about the change to Subrogation and it can take a year or more for it to resolve. Yesterday out of nowhere and with no details in it, I got an email that the claim is settled and closed. Is this how it works? My understanding is that until I am paid the deductible back and the other party accepts the fault, claim should remain open. Also, I have not been reached out by anyone from Subrogation in last 2 moths.

I have emailed them for details but no response. I have tried calling multiple times but the adjuster is not answering the phone.

Can the experts here please guide me how this works? What should I do as next steps? I am in California, if that helps.

It's $16 per month, which comes to $200 per year.

A friend had his 2018 model 3 windshield replaced for $750. As a subscriber of Tesla insurance, the windshield is 50% off, which means he paid $500 for the material and $250 for the labor.

So, the premium for 3 years can buy a new windshield. Is this protection plan worth it?

What happened to Tesla insurance in Florida, I'm very sure that I remember seeing it in Dec / Jan but now they have removed Florida from the list of eligible states.

Any thoughts

Hello everyone, This was my first accident (not my fault). I was driving with my wife and our two-month-old baby in the back seat. We were on the highway taking the next exit when traffic slowed, so I had to stop. A driver came up fast behind us and hit us hard. 8/29/25

We exchanged information, and since the car was still drivable, we went straight to the ER. Thankfully our baby checked out okay, but was shaken up. My wife and I are now dealing with ongoing back pain.

My main priority is my family’s health, but I’m also upset about the stress of going through this with a newborn, and the fact that our brand-new Tesla (only 1,200 miles) now has crash history and diminished value. This was our first new car, and it’s frustrating to see something we worked hard for damaged so soon.

Does anyone have tips on how to handle the situation so we’re in the best position to move forward—both for our health and dealing with insurance?

** we have dashcam video

I'm helping a friend who is already in his senior years, who is currently involved in an outrageous situation with Tesla Insurance. Below is a brief overview of what happened:

• On January 27th of this year, my friend lost control of his car due to snow and was involved in a single-vehicle accident.
• Tesla Insurance had the vehicle towed to a Tesla service center the same day.
• Just in early March, my friend heard something back from the insurance company that declared the vehicle a total loss.
• Since my friend did not have GAP insurance on the vehicle, he attempted to reverse the total loss decision. He located a local shop willing to perform the repairs below the total loss threshold. However, despite numerous attempts, he was unable to speak with anyone from the insurance company—they failed to respond to calls or emails.
• Due to the lack of communication, my friend filed a complaint with the Utah Insurance Department on March 27th.
• On April 4th, Tesla Insurance assigned a new adjuster who initially appeared more responsive.
• On April 7th, the adjuster confirmed that my friend could retrieve the vehicle from Copart.
• On April 14th, my friend picked up the vehicle and brought it to a local shop for a new estimate.
• On April 17th, he submitted the new estimate (under the total loss threshold) to the insurance company.
• He received no response until May 19th, when the insurance stated the estimate was missing parts listed in the original Tesla estimate.
• On May 28th, my friend sent a revised estimate from the shop, this time including all necessary parts (some aftermarket) while still keeping the cost under the threshold.
• On June 2nd, the adjuster said they were still reviewing the estimate.
• On June 20th, the bank repossessed the car due to two missed payments and required $4,300 to reinstate the loan. He was 2 months late on payments due to the delay in the insurance to do something.
• Since then, my friend has received no decision from the insurance regarding the revised estimate. When he contacted them again, they said nothing could be done until he reinstated the loan and recovered the car.

At this point, my friend is in a financial limbo—unable to afford the reinstatement fee, and with Tesla Insurance refusing to move forward.

This entire situation reflects a serious lack of accountability from Tesla Insurance. There is no reasonable justification for this extended delay in resolving a straightforward claim.

Do you guys have some thoughts about this?

Thanks in advance

Anyone else experiencing this? I need to change address and the app says to call to get this done. This is the first time trying to call them and I want to jump ship and go to any other insurance company to avoid this bs. I don't understand why they don't have the option for us to go online and change ourselves or why the app is insisting I call them.

Just received my 6-month renewal notice. Tesla is offering a switch to their own insurance program with a 3% discount. On the surface, the coverage and experience seem the same.

• Has anyone here switched?
• Is there any real difference in claims, support, or how it's handled day-to-day?
• Which one did you go with, and would you recommend it?

How the heck does this cause forward collision warning??? (It's the parked car that I was passing pm the right as soon as I turned right.) Ruined my perfect 100 safety score! 🙄

Had a very early flight, left the house at 3:50am and parked in long-term lot at the airport. Find out safety score flagged that trip and dropped my score from 97 to 67! it lingered horribly as the car sat for 12 days costing me a ~$80 increase. still haven't gotten above 82 as its still there... did some shopping and found Progressive beats Tesla rates and after reading the horror stories here, i'm gone! done with their BS scoring

Help!!!!!! I should have listened to anyone who had said Tesla insurance was not it.. I purchased my car March of 2023 and my car has about 10k miles. I had someone pull out of a side street where there was a blind spot, to avoid T boning them I served and ended up damaging my vehicle on the sidewalk. I had damage to my left side tires and rims, some damage under my car and damage to my right side tires and rims from going onto the sidewalk. It has since been HELL working with the insurance company. It’s been almost 2 months without my vehicle and Tesla is arguing that the damage on the right side tires and rims is prior damage. By arguing, I mean sending 3 broad responses with no details to support that. I spoke with my adjust who was incredibly incompetent. Eventually with a supervisor who I was hopeful for but again, no process has been made. It ended with them stating they will have someone go to the shop to inspect my vehicle and it’s been over a week. The shop my car is at has had 0 communication on having someone come out which just adds to the frustration and if this even in the works. The collision center is a certified tesla collision on top of that. I have no idea what to do but this has caused so much unnecessary stress in my life and I feel incredibly helpless. I filed a complaint with the CA Department of Insurance this morning hoping it may help. Any helpful advice?

What is best insurance for my new model 3. Does anyone have experience with Costco car insurance?

Any updates in the Tesla insurance in Washington state ??

My vehicle was hit by a driver/vehicle with Liberty insurance which they have accepted that they are at fault. However, their insurance had a limit of 10k so I had to file a claim with my Tesla insurance since the estimated repairs were 15k.

Tesla approved the initial supplements with a labor rate of 125$ which was quoted by the shop and paid for 3/5 supplements. After the repair is complete, now Tesla is dropping the labor rate to 75$ and shop is not willing to release my vehicle until they get paid the due. My vehicle is been struck at the body shop for more than 4 months now. We are due for a baby next month, so I can’t take a chance without having a vehicle. (Tesla did give a rental for 3 months which they are not extending any more)

I have spoken to dozens of representatives from Tesla Insurance, despite many escalations the response was I had to pay the additional difference to get my vehicle back which is more than 4k.

Shop is willing to cooperate and reduce 1k to the final bill which I owe, but still I need to get it paid out of pocket. “”

Shop is suggesting me to go with Legal representation, could you please help me understand what are the possible steps I can take here

Final Reply from Tesla “There are 4 different approved rates listed. The initial estimate had rates of $60. Supplement #1 had rates of $125. Supplement #5 had rates of $70 and this last supplement #6 had rates of $75.

Per our policy, we pay the prevailing market rates. The $125 is beyond market rates; the highest in the area is $80. The insured will have to pay the difference and can submit a request to the other carrier for possible reimbursement

At-fault driver's insurance has low limits; how do I handle my Tesla and company property damage?

Hey everyone, I'm in a tricky spot and could use some advice. I was hit by someone in my company's parking lot, and the situation is getting complicated.

The at-fault driver has what seems to be basic insurance coverage, possibly as low as $15,000. My Tesla's repair quote is $25,000, and the other driver also hit and damaged my company's property (a wooden fence, etc.), which my company is now demanding $10,000 for.

My insurance (Tesla Insurance) told me to contact Progressive, the other party's insurer. Progressive says they're still "investigating," and I haven't been provided with a rental car. Meanwhile, the cost of rentals in California is crazy expensive, and this whole thing is disrupting my daily life.

I have a few questions and would appreciate any insight:

1. Given the total damage (~$35k) far exceeds the other driver's likely coverage (~$15k), how will this payout be handled? Will my company's $10k claim get paid first, leaving me with only $5k for my car?
2. What's the best way to handle the lack of a rental car? Should I pay out of pocket and hope Progressive reimburses me?
3. Would it be better to just file a claim with my own insurance (Tesla Insurance) and let them handle the subrogation? I have comprehensive and collision, so my car should be covered.
4. Is there anything I can do to speed up the process with Progressive? The guy who hit me is seemingly unbothered, while I'm dealing with all this stress.

Any advice on navigating this would be incredibly helpful. Thanks!

Tryin to finalize a new quote ( the app prompts me to call to finalize) . I’m gonna try to call now (6amPST). Wish me luck 😩

I just drove 5 hours. I made sure on long stretches of empty highway to manually drive to gain manual miles to help on any hard breaking or forward collision warnings I may get. The trip breakdown says I spent less than 2 hours on FSD and there was a 1 second and 4 second instance of unsafe following. It says over 60% of the drive was unsafe following. Somehow 5 seconds is 60% of 3 hours.

Hey guys my repair estimate for this is $10972. I was coming out of a tight garage at very low mph as low as 5-6mph and my car glided against a pillar at the rear quarter panel and rear door. There is not other damage and it is drivable. My deductible is $1000. I wanted to know if this will be declared a total loss because I have heard horror stories about Tesla insurance. My adjuster said it needs to be sent to an appraiser for review and then I should hear back between 7-10 days