Tesla updates Safety Score v3.0 for FSD Supervised in insurance

Tesla Insurance has rolled out Safety Score version 3.0, awarding a perfect score of 100 for every mile driven with FSD Supervised enabled. This change helps drivers maintain higher average safety scores, leading to lower monthly premiums. The update applies to new policies in Indiana, Tennessee, Texas, Arizona, Virginia, and Illinois.

Tesla announced an update to its insurance program on April 14, introducing Safety Score v3.0. Under this version, drivers receive a score of 100 for each mile traveled while using FSD Supervised. The company stated that this feature enables users to sustain elevated average safety scores over time, which in turn reduces their monthly insurance premiums. Tesla North America shared the details via a post on social media, highlighting the benefits for policyholders who activate FSD Supervised during drives. The policy change targets new insurance policies specifically in the states of Indiana, Tennessee, Texas, Arizona, Virginia, and Illinois. Tesla did not specify whether the update would extend to existing policies or additional regions immediately. This adjustment aims to incentivize the use of its Full Self-Driving Supervised technology within the insurance framework.

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Tesla Model Y on rainy highway showcasing 7.5 billion FSD Supervised miles milestone, with Austin skyline in background.
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Tesla's FSD supervised miles surpass 7.5 billion

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Tesla owners have collectively driven more than 7.5 billion miles using Full Self-Driving (Supervised) software, with the majority on highways. Meanwhile, public testing of unsupervised FSD is expanding in Austin. A personal account highlights seamless performance in challenging conditions.

U.S. insurer Lemonade has introduced a new insurance product that cuts rates by 50% for miles driven using Tesla's Full Self-Driving (Supervised) software. The company cites data showing FSD is safer than human drivers, marking the first external validation of Tesla's safety claims by a major underwriter. This pay-per-mile policy integrates with Tesla's API to track usage.

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Tesla has shared a message on X highlighting the benefits of its FSD Supervised feature. The post emphasizes how the technology can return freedom to users. It was published on March 8, 2026.

Tesla announced that its FSD Supervised feature can lower the risk of hydroplaning during rainy conditions. The system uses Tesla Vision to assess road wetness and adjusts vehicle speed accordingly. This capability aims to enhance driver safety through automated responses.

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In a follow-up to NHTSA's October 2025 investigation into Tesla's Full Self-Driving (FSD) software for dangerous maneuvers like running red lights, Tesla must submit data on over 8,300 potential violations by March 9, 2026. This is separate from reports on 14 robotaxi incidents since June 2025. Tesla's safety data shows improving autonomous performance amid scrutiny.

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