Tesla is now promoting Tesla Insurance directly on its vehicle order page, showing buyers in supported states how FSD usage could affect their insurance costs. The new section appears beneath Full Self-Driving (Supervised), with estimated savings and options to explore different coverage levels.
Insurance Estimates While Ordering
When ordering a new Tesla, in the FSD section, Tesla now highlights Tesla Insurance in available markets. Tesla highlights estimated savings compared to the competition. The calculation assumes good driving, 10,000 annual miles and standard coverage. Selecting Edit Details opens an insurance estimate showing monthly premiums with and without FSD usage, alongside controls for adjusting mileage and coverage.
For example, the order page displayed an estimated $205 per month without FSD usage for a 2026 Model Y Rear-Wheel Drive configured for Austin, Texas. With 95% FSD usage, the estimate fell to $148 per month, a difference of $57.
Insurance rates are based on a variety of metrics, including town and state. Tesla is actively considering the town you live in based on the zip code, but rates will still vary from individual to individual.
How FSD Affects Insurance Costs
The addition of Tesla Insurance to the design studio likely increases both, the FSD take rate and the amount of owners who sign up for Tesla Insurance.
When Tesla introduced its FSD insurance discount in February 2025, eligible drivers could receive up to 10% off certain coverages by driving at least 50% of their miles with FSD engaged.
With Safety Score 3.0, each mile driven with FSD engaged contributes a score of 100. Tesla combines those miles with the score from manual driving to calculate the insurance rating. More FSD usage can therefore improve the combined score.
Availability Depends on Your State
The insurance promotion appears for buyers in states where Tesla Insurance is offered. As our Tesla Insurance guide explains, pricing also depends on factors including the vehicle, location and distance driven.
Tesla continues to pursue additional markets for Tesla Insurance, including the filings preceding Tennessee's rollout and plans to bring Tesla Insurance to Washington. The new order-page estimates make more buyers aware of Tesla’s insurance product and its potential savigns.
