Tesla has officially rolled out its insurance product in Florida, marking the first expansion to a new state in over three years. The service is now available in 13 U.S. states, covering more than 46% of the population. Initially, only new Tesla owners in Florida can purchase policies.
Tesla Insurance became available in Florida on December 17, 2025, as announced by Tesla watcher Sawyer Merritt. This launch ends a three-year hiatus in adding new states to the program, which now operates in 13 locations across the U.S. An updated chart shared by Merritt indicates these states encompass over 46% of the American population.
The Florida rollout employs Tesla's real-time driving behavior assessment to calculate premiums. Factors include the specific vehicle model, the policyholder's residence, annual mileage, selected coverage options, and the vehicle's monthly Safety Score. This data-driven approach aims to tailor rates based on individual risk profiles.
At present, eligibility is limited to new Tesla buyers in the state. Existing owners are unable to sign up immediately, suggesting a phased introduction to manage rollout logistics. No further details on expansion timelines for existing customers were provided.
Tesla Insurance, which integrates vehicle telemetry for safer driving incentives, has been praised for potentially lowering costs for responsible drivers. However, availability remains uneven, with Florida's addition addressing a key market in the Southeast.
