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Tesla Insurance goes live with claims of lower rates by 20-30%
Tesla has formally introduced its in-house insurance service for its vehicles, an initiative that Elon Musk initially announced in the company’s first-quarter earnings call. As noted by the company in a blog post, the service is being launched in California for now, though an expansion to other US states is coming in the future.
The electric car maker noted that with its in-house insurance service, owners of Model S, Model X, and Model 3 will be able to take advantage of notably lower rates. Tesla notes that owners could expect up to 20% lower rates with Tesla Insurance. In some cases, the company noted that its in-house service could go up to 30% lower than competitors.
Tesla Insurance launches today in California to offer better rates for Tesla owners.https://t.co/rDjbEvBxzY
— Tesla (@Tesla) August 28, 2019
A key advantage that Tesla holds in its insurance service lies in the fact that the company knows its vehicles inside out, which means that the company could “leverage the advanced technology, safety, and serviceability of (its) cars to provide insurance at a lower cost.” Tesla Insurance’s pricing also takes the company’s generous suite of safety features into account in its pricing.
Tesla Insurance currently offers a monthly payment plan, with owners being able to cancel or change their vehicles’ policy at any time. Interested Model 3, Model S, and Model X owners could sign up for the service here. Those with new vehicle orders could request a quote before they take delivery of their vehicle as well, provided that a VIN has been assigned to a Tesla Account.
Following is Tesla’s blog post about the launch of its in-house insurance service.
Starting today, we’re launching Tesla Insurance, a competitively priced insurance offering designed to provide Tesla owners with up to 20% lower rates, and in some cases as much as 30%. Tesla Insurance offers comprehensive coverage and claims management to support our customers in California, and it will expand to additional U.S. states in the future.
Because Tesla knows its vehicles best, Tesla Insurance is able to leverage the advanced technology, safety, and serviceability of our cars to provide insurance at a lower cost. This pricing reflects the benefits of Tesla’s active safety and advanced driver assistance features that come standard on all new Tesla vehicles.
Tesla owners in California can purchase a policy in as little as one minute via tesla.com/insurance. For new vehicle orders, customers can request a quote prior to delivery once a VIN has been assigned to their Tesla Account.
Tesla Insurance offers a convenient monthly payment with no hidden fees or charges. Customers may cancel or change their Tesla Insurance policy at any time.
Tesla Full Self-Driving v14.2 rolled out late last week to Early Access Program (EAP) members, but its best feature is not what you think.
While Tesla has done a great job of refining the performance of the Full Self-Driving suite with the latest update, there are some other interesting additions, including one that many owners have requested for some time.
Upon the release of v14.2, many owners recognized the Blue Dot next to the Autopilot tab in Vehicle Settings, notifying them of a new feature. What was included as a new feature in the new update was a Full Self-Driving stats feature, which now will show you how many miles you’ve traveled in total, and how many of those miles were driven using FSD:
🚨 The coolest non-driving change of Tesla Full Self-Driving v14.2 pic.twitter.com/HOJcFaV2Ny
— TESLARATI (@Teslarati) November 21, 2025
The feature seems to be more of a bragging rights thing than anything, but it will also give drivers a good idea of how many miles they are using Full Self-Driving for. Those who use telematics-based insurance services will also be able to run experiments of their own, and could determine whether their premiums are impacted by the use of Full Self-Driving, and whether it is more advantageous to use over manual driving.
Tesla rolled out numerous other improvements with Tesla Full Self-Driving v14.2, most notably, the company seems to have resolved previous complaints about brake stabbing and hesitation. This was a major complaint in v14.1, but Tesla has seemed to resolve it with this newest branch of the FSD suite.
There were also improvements in overall operation, and it was notably smoother than past versions. Speed Profiles are seemingly refined as well, as they seem much more fixed on how fast they will travel and how aggressive they will be with things like passing cars on freeways and lane changes.
In future updates, Tesla plans to add Parking Spot selection, along with overall operational improvements. However, CEO Elon Musk recently said that the next branch, Full Self-Driving v14.3, will be where the “final piece of the puzzle is placed.” Tesla believes it is close to solving autonomy, so v14.3 could be a major jump forward, but it remains to be seen.
Tesla has adjusted the functionality of a crucial climate feature as Winter weather has started to arrive throughout some parts of the United States. The new feature was highly requested by owners.
Tesla has a Cabin Overheat Protection feature that helps keep the temperature regulated if it reaches a certain threshold. Inversely, it can be used in cold weather as well, which will automatically warm the cabin if it sinks to a temperature that is too low for the owner’s comfort.
This is a great way to keep the cabin either warmed up just enough or cooled down just enough so that it never gets too hot or too cold. Extreme temperatures could damage certain parts of the vehicle or damage personal belongings that are kept inside the car.
Overheat protection is a great thing to have in hot climates like Arizona or Texas, especially with the Premium trims of the Model 3 and Model Y, which feature a glass roof.
Many owners appreciate the feature, but they argue that using it at home will utilize too much energy, especially during extreme temperatures. For a while, many Tesla fans have requested an option to disable this feature when the car is parked at home, which the company recently added, according to Not a Tesla App.
The feature is part of Software Version 2025.44.3, and the release notes state:
“You can now choose Exclude Home when Cabin Overheat Protection or No A/C is enabled.”
Tesla has been great at listening to what owners want with new features, and this is one that will reserve some charge and prevent unnecessary utilization of available power, especially as the car is parked at home. If owners want to condition the cabin or get the car ready for operation with a comfortable interior, they can utilize the Tesla app to adjust the climate.
Tesla CEO Elon Musk revealed today on the social media platform X that legacy automakers, such as Ford, General Motors, and Stellantis, do not want to license the company’s Full Self-Driving suite, at least not without a long list of their own terms.
“I’ve tried to warn them and even offered to license Tesla FSD, but they don’t want it! Crazy,” Musk said on X. “When legacy auto does occasionally reach out, they tepidly discuss implementing FSD for a tiny program in 5 years with unworkable requirements for Tesla, so pointless.”
I’ve tried to warn them and even offered to license Tesla FSD, but they don’t want it! Crazy …
When legacy auto does occasionally reach out, they tepidly discuss implementing FSD for a tiny program in 5 years with unworkable requirements for Tesla, so pointless. 🤷♂️
🦕 🦕
— Elon Musk (@elonmusk) November 24, 2025
Musk made the remark in response to a note we wrote about earlier today from Melius Research, in which analyst Rob Wertheimer said, “Our point is not that Tesla is at risk, it’s that everybody else is,” in terms of autonomy and self-driving development.
Wertheimer believes there are hundreds of billions of dollars in value headed toward Tesla’s way because of its prowess with FSD.
A few years ago, Musk first remarked that Tesla was in early talks with one legacy automaker regarding licensing Full Self-Driving for its vehicles. Tesla never confirmed which company it was, but given Musk’s ongoing talks with Ford CEO Jim Farley at the time, it seemed the Detroit-based automaker was the likely suspect.
Tesla’s Elon Musk reiterates FSD licensing offer for other automakers
Ford has been perhaps the most aggressive legacy automaker in terms of its EV efforts, but it recently scaled back its electric offensive due to profitability issues and weak demand. It simply was not making enough vehicles, nor selling the volume needed to turn a profit.
Musk truly believes that many of the companies that turn their backs on FSD now will suffer in the future, especially considering the increased chance it could be a parallel to what has happened with EV efforts for many of these companies.
Unfortunately, they got started too late and are now playing catch-up with Tesla, XPeng, BYD, and the other dominating forces in EVs across the globe.
Tesla Full Self-Driving v14.2’s best new feature is not what you think
Tesla adjusts crucial feature as winter weather arrives
