Tesla Insurance launched in Florida in mid‑December 2025, breaking a pause of more than three years since the last new state came online. The launch brings the total to 13 U.S. states where Tesla’s in‑house auto insurance product is available.
The company had filed to offer coverage in Florida several years earlier, but the approval and rollout process took much longer than many owners expected.
Florida is one of the most expensive places in the country for car insurance, and that pressure is severe for drivers who own higher‑priced vehicles such as Teslas. Average full‑coverage premiums in the state sit well above national levels, and many Tesla drivers report paying more than owners of comparable gas cars.
So Tesla buyers in Florida now have a new option in a market where rates have surged and some traditional insurers have scaled back.
Limited to new Tesla buyers for now
Access is narrow at the start. Right now, only new Tesla owners in Florida can purchase a Tesla Insurance policy.
Existing Tesla owners in the state cannot sign up yet, even if they want to switch from another carrier. And Tesla has not given a public date for when current owners will be able to move their coverage to its in‑house product, which leaves a large part of its Florida customer base waiting.
How Tesla calculates premiums
Tesla Insurance in Florida uses real‑time driving behavior as a core part of its pricing model. But it still uses other standard risk factors. Premiums depend on several items:
- The Tesla model being insured
- The garaging address and local risk
- How many miles the car is driven
- The coverage limits and options selected
- The vehicle’s monthly Safety Score
So the monthly bill can change as driving behavior and mileage change, rather than staying fixed for a six‑month or twelve‑month term.
The Safety Score is Tesla’s proprietary risk metric that runs from 0 to 100. It is built from data gathered by the vehicle’s sensors and systems that include:
- Hard Braking, based on strong deceleration events
- Aggressive Turning, measured by lateral acceleration in corners
- Unsafe Following, when headway becomes too short at higher speeds
- Excessive Speeding, when the car travels very fast or much faster than traffic
- Late‑Night Driving, during overnight hours with higher risk
- Forced Autopilot Disengagement, when the driver must take over
- Unbuckled Driving, when the car moves while the driver is not wearing a seatbelt
The system updates the score over time, and monthly premiums can move with it. So safer driving can improve the score and may lower costs, but high‑risk habits can push rates higher.
Tesla’s documentation draws a line between miles driven with Autopilot or Full Self‑Driving (Supervised) active and miles driven manually. Certain Safety Score metrics do not apply when driver‑assist features are engaged, since Tesla treats those miles differently in its risk model.
And in some states, Tesla offers a Full Self‑Driving (Supervised) discount tied to how much of a driver’s mileage uses FSD. So this setup can reward drivers who rely more on driver‑assist features that have strong safety performance, as long as the program rules are met.
States that now have Tesla Insurance
With Florida on the list, Tesla Insurance operates in 13 U.S. states. The rollout began with California in 2019 and then moved into other states including Texas, Arizona, Ohio, Colorado, Oregon, Virginia, Nevada, Utah, Maryland, Illinois, Minnesota, and now Florida.
The early phase used a more traditional rating approach in some markets, but Tesla then leaned harder into telematics‑based pricing tied to real‑time data and Safety Score. And the three‑year gap before Florida’s addition highlights how regulatory approval, technical work, and operational planning can slow down state‑by‑state growth.
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