Tesla Insurance updates Safety Score

Tesla Insurance has changed the math behind its driver score: under Safety Score version 3.0, every mile driven with Full Self-Driving (Supervised) engaged counts as a 100. (tesla.com) Tesla says the new version began rolling out on April 14, 2026, for new policyholders in Illinois, Indiana, Tennessee and Virginia, and for new policies in Arizona and Texas that previously used a separate Full Self-Driving discount. Existing policyholders in Texas and Virginia get the change at renewal on or after June 13, 2026, and Arizona policyholders on or after July 8, 2026. (tesla.com) The company’s formula now blends two buckets of driving: manually driven miles keep their regular Safety Score, while miles with Full Self-Driving (Supervised) engaged are multiplied by 100 and added into the average. Tesla says the result is a score focused on manual driving behavior while still rewarding supervised automated driving. (tesla.com) Safety Score is Tesla’s in-app risk grade, running from 0 to 100, that feeds into monthly premiums in its real-time insurance product. Tesla says premiums can change each month based on miles driven, Safety Score, Full Self-Driving usage, coverage choices and garaging address. (tesla.com) The change lands as Tesla pushes insurance and driver-assistance software closer together. Tesla says real-time insurance uses vehicle data instead of a plug-in tracking device, and that higher Safety Scores or higher Full Self-Driving usage reduce premiums. (tesla.com) Tesla says Safety Score version 3.0 is built on more than 26.5 billion miles of driving data and includes revised late-night driving risk levels alongside the new treatment of supervised Full Self-Driving miles. Hard braking remains one of the measured factors, with Tesla defining it as deceleration above 0.3g, or a speed drop of more than 6.7 miles per hour in one second. (tesla.com) Tesla is offering the Full Self-Driving insurance benefit in two forms. In some states it runs through Safety Score version 3.0, and in others it remains a separate usage-based discount that can reach 10% when at least half of the last 30 days’ miles were driven with Full Self-Driving (Supervised) enabled. (tesla.com) The map is still uneven. Tesla’s insurance support pages list the Full Self-Driving insurance benefit in Arizona, Florida, Illinois, Indiana, Tennessee, Texas and Virginia, while Tesla’s broader insurance product is available in a wider set of states including Colorado, Maryland, Minnesota, Nevada, Ohio, Oregon and Utah. (tesla.com 1) (tesla.com 2) California remains the exception. Tesla says its real-time insurance product is not available there, and Safety Score in California is provided for educational use only and does not affect premiums. (tesla.com 1) (tesla.com 2) The practical effect is simple: for Tesla drivers in the states getting version 3.0, more supervised automated miles now pull the score upward instead of sitting outside it. Tesla says that higher score can mean a lower monthly bill. (tesla.com 1) (tesla.com 2)