Real-time insurance telematics is an ideal way for drivers to receive insurance rates based on their driving behaviors. However, a new study from the Insurance Research Council (IRC) shows privacy concerns are still a significant barrier to the widespread adoption of the program.
Telematics and usage-based insurance (UBI) programs are ideal because they track driving behaviors ranging from miles driven to braking habits to determine appropriate automotive insurance premiums. Safe driving habits usually result in cost savings.
A survey of over 2,000 drivers earlier this year showed that more than half of consumers saw telematics programs help decrease their overall insurance premium. 8 out of 10 surveyed participants also stated it helped change the way they drive.
However, there are a select few people who still are unwilling to participate in UBI or telematics-based programs because there is a lack of privacy.
“While we are seeing more drivers participating in telematics programs than ever before, some consumers we surveyed indicated hesitancy in signing up due to privacy concerns,” said President of the IRC Dale Porfilio.
Tesla’s in-house Insurance program utilizes UBI in all twelve states it is available in except for one: California.
“It should be clear, like we are pushing very hard for California to change the rules to allow informatics, which basically means that, you know, you’re as safe as you’re driving is measured,” CEO Elon Musk said during the Q4 and Full Year 2021 Earnings Call in January. “So I think the current California rules are contrary to the best interest of the consumers in California and should be changed.”
California’s Insurance Commissioner, Ricardo Lara, pushed back against Musk’s comments just one day later. Lara said the state upholds and implements consumer protections outlined in voter-enacted Proposition 103, which has been active since 2009. “We have allowed vehicle data only to determine actual miles driven, and only in a way that protects the driver’s privacy.”
Tesla’s push for telematic rates rejected by California Insurance Commissioner
Lara’s comments still hold true for some consumers. The IRC study showed drivers are reluctant to participate in a telematics program because they are either not interested or may be concerned that their driving style may increase rates. Younger drivers were less likely to express concerns about their privacy but also expressed the most interest in reducing insurance premiums.
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Tesla has officially begun the wide rollout of Full Self-Driving (Supervised) v14 to the Cybertruck about a month after the company started rolling it out to other vehicles in the fleet.
On Monday, Tesla officially started rolling out v14.1.5 to Cybertruck owners, the first FSD v14 rollout for owners of the all-electric pickup.
Owners have been anxiously waiting for Tesla to begin the wide release of v14 to Cybertruck, as the company said it would refine the suite for the vehicle.
Tesla has finally started rolling out to many owners, who are reporting that their Cybertrucks are downloading Software Update 2025.38.8.5, which contains FSD v14.1.5:
Tesla Self-Driving 14.1.5 for Cybertruck rolling out now! Too bad I just left for Austin. pic.twitter.com/WdxvEaK6ma
— Whole Mars Catalog (@WholeMarsBlog) November 3, 2025
So look what I just got on my @cybertruck ! FSD v14.1.5
Believe it or not @teslascope reported it about 5 minutes before it was visible on my app. That new API must be cooking! pic.twitter.com/GIiQrss4q5
— Chuck Cook (@chazman) November 3, 2025
Can confirm – arrived last night 🤝 https://t.co/0knxMK1Gfx pic.twitter.com/rqtU41pRaF
— Wes (@wmorrill3) November 3, 2025
Tesla has to be more cautious with rolling out FSD on the Cybertruck than on other vehicles for a few reasons. Initially, the Cybertruck utilizes an all-wheel steering system that turns differently than the S3XY lineup. This creates a challenge for the Tesla AI team as they have to cater to this specific maneuvering change.
Additionally, the Cybertruck is much larger, and the exterior cameras responsible for seeing the vehicle’s surroundings are placed differently than those of the other vehicles.
This requires additional calibration to ensure safety.
The full release notes for Full Self-Driving v14.1.5 are as follows:
- Added Arrival Options for you to select where FSD should park: in a Parking Lot, on the Street, in a Driveway, in a Parking Garage, or at the Curbside.
- Added handling to pull over or yield for emergency vehicles (e.g. police cars, fire trucks, ambulances).
- Added navigation and routing into the vision-based neural network for real-time handling of blocked roads and detours.
- Added additional Speed Profile to further customize driving style preference.
- Improved handling for static and dynamic gates.
- Improved offsetting for road debris (e.g. tires, tree branches, boxes).
- Improve handling of several scenarios including: unprotected turns, lane changes, vehicle cut-ins, and school buses.
- Improved FSD’s ability to manage system faults and recover smoothly from degraded operation for enhanced reliability.
- Added alerting for residue build-up on interior windshield that may impact front camera visibility. If affected, visit Service for cleaning!
Tesla Full Self-Driving v14 release notes for Cybertruck pic.twitter.com/fiMnjjTCY9
— TESLARATI (@Teslarati) November 3, 2025
News
Elon Musk shuts down Tesla ‘AMG’ division speculation: ‘Focus is autonomy’
“I think it’s best to leave that to the custom shops. Tesla’s focus is autonomous cars, building futuristic autonomous cars. We want the future to look like the future.”
Tesla CEO Elon Musk was asked by Joe Rogan late last week whether the company would ever consider establishing an “AMG division” like Mercedes-Benz has established for powerful, race-inspired vehicles.
However, Musk turned down any talk of that, highlighting that the company is laser-focused on autonomous vehicles, seemingly hinting that any distraction from autonomy would be a detriment to the future.
Rogan drives a Tesla Model S himself, but it is not your run-of-the-mill all-electric sedan. Already outfitted with the Plaid powertrain that Tesla developed, Rogan took his vehicle to Unplugged Performance for a true performance outfitting.
The vehicle is completely overhauled with performance parts and seats. Known as the Model S-APEX, Rogan took delivery of it from Unplugged in January.
Rogan asked Musk on Friday during his most recent appearance on the Joe Rogan Experience podcast whether Tesla would ever establish an “AMG division” that would focus on catering Teslas to performance-based standards.
Musk said:
“I think it’s best to leave that to the custom shops. Tesla’s focus is autonomous cars, building futuristic autonomous cars. We want the future to look like the future.”
🚨 Elon Musk was asked by Joe Rogan if he would ever create an “AMG division” where customization and performance options are available.
Musk said:
“I think it’s best to leave that to the custom shops. Tesla’s focus is autonomous cars, building futuristic autonomous cars. We… pic.twitter.com/k7qy7UQc60
— TESLARATI (@Teslarati) October 31, 2025
Tesla fans have said for years that the company should consider acquiring Unplugged Performance and its Upfit Tesla division, which recently outfitted the Las Vegas Metropolitan Police Department’s fleet of Cybertruck cruisers.
However, it seems Tesla will keep things separate. Musk is primarily focused on autonomy, which will drive the technology forward and drive shareholder growth. Something like an outfitter for performance would be a cool thing for the owners who have the interest and the money.
It’s not a tremendous revenue driver or anything that would contribute to the financial state of the company. Mercedes-Benz, for example, is more accessible for consumers as it sold over 140,000 units from its AMG brand in 2024.
Tesla Model Y driver starts race in reverse, still wins against AMG SUV
It helps with driving revenue higher by as much as 15 percent compared to similar models that are not AMGs. However, would Tesla see this much of a benefit? Likely not, because the Performance trim already caters to many owners.
Cybertruck
Tesla Cybertruck fleet takes over at SpaceX’s Starbase
Interestingly, the Cybertruck uses the same exterior, a stainless steel alloy, as SpaceX rockets. This synergy between the two companies and their very different products shows a very unified mentality between Musk companies.
Tesla Cybertrucks have taken over at SpaceX’s Starbase facility in Texas, as hundreds of the all-electric pickup trucks were spotted late last week rounding out a massive fleet of vehicles.
The Cybertruck fleet is geared toward replacing gas vehicles that are used at Starbase for everyday operations. The only surprise about this is that it was not done sooner:
Was just visiting. pic.twitter.com/5Q9wPPaeuH
— Derek Li (@derek1ee) October 31, 2025
Deliveries have been going on for a few weeks, as Cybertrucks have made their way across the state of Texas from Austin to Starbase so they could be included in SpaceX’s fleet of vehicles at the facility.
Interestingly, the Cybertruck uses the same exterior, a stainless steel alloy, as SpaceX rockets. This synergy between the two companies and their very different products shows a very unified mentality between Musk companies.
However, there are some other perspectives to consider as SpaceX is utilizing such a massive fleet of Cybertrucks. Some media outlets (unsurprisingly) are seeing this as a move of weakness by both Tesla and SpaceX, as the aerospace company is, in a sense, “bailing out” lagging sales for the all-electric pickup.
It’s no secret that Tesla has struggled with the Cybertruck this year, and deliveries have been underwhelming in the sense that the company was anticipating between 1 million and 2 million orders for the vehicle before it was widely produced.
A lot of things changed with the Cybertruck between its 2019 unveiling and 2023 initial deliveries, most notably, price.
The price of the Cybertruck swelled significantly and priced out many of those who had pre-ordered it. Some have weighed the option of whether this purchase was a way to get rid of sitting inventory.
However, it seems more logical to consider the fact that SpaceX was likely always going to transition to Teslas for its fleet, especially at Starship, at some point.
It doesn’t seem out of the question that one Musk company would utilize another Musk company’s products, especially considering the Cybertruck has been teased as the vehicle that would be present on Mars.
Tesla begins wide rollout of Full Self-Driving v14 to Cybertruck
Elon Musk shuts down Tesla ‘AMG’ division speculation: ‘Focus is autonomy’
Tesla Cybertruck fleet takes over at SpaceX’s Starbase
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