Tesla’s Safety Score is used to help determine an owner’s insurance premiums under Tesla Insurance. It attempts to evaluate how safely the vehicle is driven by taking into account several metrics such as harsh braking, turning too fast, and speeding.
Tesla has continuously improved its Safety Score program by adding new metrics or improving existing ones. Tesla is notably transparent about the specific factors that contribute to your Safety Score and, by extension, how insurance premiums are calculated.
With the launch of Safety Score V2.2, Tesla has introduced updates to how Excessive Speeding is factored into your score and removed the controversial Forward Collision Warnings (FCW).
While excessive speeding has been part of the scoring system since March 2024, it has primarily contributed to Tesla’s internal calculations for premium generation. The latest version improves how Tesla determines speeding and its weight into the Safety Score.
Improved Excessive Speeding
The latest version of Safety Score now measures Excessive Speeding as a proportion of the time you spend driving over 85 mph, or when you’re speeding relative to the vehicles in front of you.
This could affect how your score is impacted while overtaking slower drivers—we’ll have to wait and see how this plays out for Tesla Insurance users, and whether rates will rise, fall, or stay steady in the coming months.
Forward Collision Warning
While Tesla didn’t call out changes to Forward Collision Warnings in its Safety Score v2.2 update, it appears that Tesla is no longer using FCWs as a metric in Safety Score, at least in some regions.
Tesla’s Forward Collision Warnings are a helpful feature in Tesla vehicles since they can alert drivers when a vehicle stops suddenly in front of them. However, they can sometimes have false positives, which isn’t a huge deal… unless they’re affecting your insurance premium. While FCWs have been included in Tesla’s Safety Score since its inception, it has often been a controversial metric due to false positives.
With the release of Safety Score v2.2, Tesla has now removed FCWs as part of the Safety Score, and drivers will no longer be penalized when a vehicle stops suddenly in front of them. However, Unsafe Following, an existing Safety Score metric that is defined as “proportion of following time spent at an unsafe following distance,” is still a part of Tesla’s Safety Score.
Thanks to BabyTesla for finding this change.
When Changes Take Effect
According to Tesla, this update is designed to offer a more accurate reflection of future collision risk, using insights from over 23 billion miles of real-world driving data. New Safety Scores will begin to reflect these changes as the update rolls out. However, any impact on premiums won’t take effect until next month—so your current premium is safe for now.
It’s worth noting that in California, Safety Score doesn’t affect your insurance rate at all. In those cases, Tesla includes it strictly for educational purposes. But in states where it does apply, it will directly influence what you pay.
Due to constant improvements involving real-world data and billions of miles, Tesla’s Safety Score is a unique and fairly accurate way of assessing safe driving. Unlike traditional insurers—some of which rely on basic smartphone acceleration data—Tesla is able to calculate your score based on nuanced, vehicle-level data and real-time driving conditions. While it isn’t perfect, it gives a clear edge in measuring how you actually drive.
We’re still hoping to see Tesla Insurance expand to more states. Progress has slowed recently, even after the company brought on a former GEICO executive whose main mission is to broaden the program’s reach.
