Tesla launched Version 3.0 of its safety score system for insurance customers in Florida and Maryland. Today, new policyholders can access the updated model, and the company scheduled existing customers in these two states to transition to the new system on July 12. The biggest update treats every mile driven with Full Self-Driving (Supervised) active as a perfect 100. This change directly rewards drivers who rely heavily on the driver-assist software.
If you are insured by Tesla Insurance in any state other than California, the company upgrades you to the latest version of the safety score when your policy renews. Review the table below to find your state’s rollout schedule and compare it with your upcoming renewal date. If your policy renews on or after the starting date for the new version, you transition to the updated system at that time.
| State | Safety Score v3.0 Starting On | Renewal Effective On or After |
|---|---|---|
| Arizona | April 14, 2026 | July 8, 2026 |
| Colorado | Coming soon | Coming soon |
| Florida | April 28, 2026 | July 12, 2026 |
| Illinois | April 14, 2026 | June 13, 2026 |
| Indiana | April 14, 2026 | April 14, 2026 |
| Maryland | April 28, 2026 | July 12, 2026 |
| Minnesota | Coming soon | Coming soon |
| Nevada | Coming soon | Coming soon |
| Ohio | Coming soon | Coming soon |
| Oregon | Coming soon | Coming soon |
| Tennessee | April 14, 2026 | April 14, 2026 |
| Texas | April 14, 2026 | June 13, 2026 |
| Utah | Coming soon | Coming soon |
| Virginia | April 14, 2026 | June 13, 2026 |
Note: The company sends a notice approximately two months before your next renewal date if your version is upgrading.
How the new version changes risk calculation
Engineers trained the updated software on more than 26.5 billion miles of real-world driving data, up from roughly 22 billion miles used for the previous version. Now, the company states this broader dataset predicts future collision risk with higher accuracy. Right now, the system evaluates negative driving habits strictly during manual operation. It tracks metrics like hard braking, aggressive turning, unsafe following, excessive speeding, late-night driving, forced FSD disengagements, and unbuckled driving only when a human controls the wheel.
Next, the formula blends your manual score with your assisted driving time. Every mile driven with the software engaged earns a perfect 100, and the Tesla app displays a combined metric called “Safety Score with FSD (Supervised)” to track this progress. The system multiplies the percentage of FSD miles by 100, then adds the percentage of manual miles multiplied by your regular score. Then, the updated model places a heavier penalty on excessive speeding and hard braking.
It applies slightly less weight to aggressive turning, unsafe following, and forced software disengagements. Recently, the impact of late-night driving experienced adjustments to better match actual risk.
Impact on your monthly insurance bill
Tesla uses this driving data to calculate monthly premiums in eligible markets. The real-time insurance program factors in your safety score, total mileage, vehicle type, location, and coverage choices. Using the supervised driving system frequently pushes your combined score closer to 100, and a higher score translates to a lower monthly bill. Beyond that, the company offers an extra discount of up to 10 percent on certain coverage options for customers who use the software for a large portion of their driving over a 30-day period.
Florida and Maryland represent key markets for the automaker’s real-time insurance product. These states permit dynamic pricing based on actual driving behavior. California regulations block this approach, restricting the score to educational purposes only. Drivers paying the $99 monthly subscription for the supervised driving software might recover a large portion of that cost through lower insurance rates. Over time, high-mileage drivers stand to see the biggest financial benefit.
Owners should open their Tesla app and check the insurance section to verify their current version. The new model requires app version 4.55.5 or higher to function properly. Customers with the supervised software should keep it engaged as much as safely possible to maximize their score. Before then, drivers need to monitor their manual driving habits closely. The system still heavily penalizes driving over 85 mph, sudden braking, and late-night trips when a human is steering.
Program limitations and restrictions
These premium benefits only apply to customers carrying official Tesla insurance in states where real-time pricing operates legally. Instead, third-party insurance providers do not factor this data into their rates. The automaker clearly warns that the software does not make the car autonomous. Drivers must pay full attention and supervise the vehicle at all times.
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