Lemonade has introduced its Autonomous Car insurance product for Tesla vehicles in Oregon, offering drivers significant discounts for using Full Self-Driving technology. The program, announced by co-founder Shai Wininger on social media, provides about 50% off on insurance costs for miles driven with FSD. It relies on Tesla's safety data showing FSD miles are twice as safe as manual driving.
Tesla owners in Oregon can now access Lemonade's new insurance initiative tailored for vehicles equipped with Full Self-Driving (FSD) capabilities. Launched on February 10, 2026, the program integrates directly with Tesla cars to track and discount usage of the autonomous system.
Shai Wininger, co-founder of Lemonade, shared the news on platform X, stating: “And… we’re ON. @Lemonade_Inc’s Autonomous Car for @Tesla FSD is now live in Oregon. Tesla drivers in Oregon can now get ~50% off their Tesla FSD-driven miles + the best car insurance experience in the US, bar none.” This discount applies specifically to miles driven using FSD, with no requirement for a minimum usage level. Manual driving miles receive standard competitive rates.
The pricing model draws from Tesla's data, which demonstrates that FSD-operated miles are approximately twice as safe as those driven manually. Lemonade indicates that as FSD technology advances, these discounts may grow further. The integration requires explicit driver permission and automatically differentiates between FSD and manual miles for billing.
Eligibility is limited to Tesla vehicles with Hardware 4 or later, running firmware version 2025.44.25.5 or newer. Coverage terms and claims processes remain consistent whether the vehicle is in manual or FSD mode during an incident. Policyholders can also combine this auto insurance with Lemonade's offerings for renters, homeowners, pets, or life to unlock additional savings.
This development highlights ongoing efforts to incentivize autonomous driving adoption through insurance benefits, based on real-world safety metrics from Tesla.