Tesla Insurance is evolving — and this time, it’s rewarding drivers who trust the tech. With the rollout of Tesla Insurance Safety Score v3.0 (check out Tesla page), the company is fundamentally rethinking how it calculates driving risk, leaning on an unprecedented dataset to do it.
What’s actually changing? Built on over 26.5 billion miles of driving data, v3.0 delivers a more precise assessment of collision risk than its predecessor. That’s not a minor tweak — that’s a structural overhaul.
Most notable shift: Safety Factors are now measured exclusively against miles driven without FSD (Supervised) engaged. Your manual driving behavior is what determines your base score. Miles logged under FSD Supervised, however, automatically receive a perfect score of 100 — and yes, those miles count toward your overall calculation.
Here’s how the math works: your Tesla Insurance Safety Score with FSD is calculated by combining the percentage of FSD miles (multiplied by 100) with the percentage of manual miles (multiplied by your personal Safety Score). Drive more autonomously, and your average climbs. A higher average means lower monthly premiums.
Starting April 14, 2026, Safety Score v3.0 is live for new policies across six states — Arizona, Illinois, Indiana, Tennessee, Texas, and Virginia. Renewal dates vary by state, running from as early as April 14 through July 8, 2026.
Colorado, Florida, Maryland, Minnesota, Nevada, Ohio, Oregon, and Utah are confirmed as coming soon, signaling that Tesla is scaling this program aggressively.
To access v3.0, drivers need software version 2025.2.6 or later — or 2021.24.25 for Tegra vehicles — and FSD Supervised V13.2.8 or later. Without the update, the new scoring model simply won’t apply.
Traditional insurers price risk based on historical demographics. Tesla Insurance, by contrast, is pricing it on your actual behavior, mile by mile. That’s a competitive wedge — and for drivers leaning into FSD Supervised, it’s a financial incentive to do so even more.
Ultimately, the safer you drive, the less you pay. With v3.0, Tesla isn’t just updating a formula — it’s scoring big on making safety pay.
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