Tesla releases safety score update for insurance discounts

Tesla recently rolled out version 3.0 of its Safety Score system to the public, and the update gives drivers a perfect 100 rating for any miles covered using Full Self-Driving Supervised.

This change allows customers to maintain a higher overall safety average over time, which directly lowers their monthly insurance premiums. Right now, these exact rules apply to new policies in Indiana, Tennessee, Texas, Arizona, Virginia, and Illinois.

How the scoring works now

The latest software separates manual driving habits from assisted driving, creating a system that tracks different metrics depending on who is in control. When a person drives manually, the vehicle still tracks traditional risk factors like hard braking or following other cars too closely. But whenever the autonomous features take over, the car banks a flawless score, and this blended approach heavily rewards frequent users of the driver-assist technology.

Analysts point out this resolves a major complaint from owners, as the software would sometimes make conservative maneuvers that previously hurt a driver’s rating. Now, those automated driving decisions no longer count against the person paying the premium, offering a fairer assessment of human error.

Better safety ratings translate directly into cheaper bills at the end of each month, giving users a clear reason to trust the technology. These insurance discounts can be large enough to offset the cost of the monthly self-driving subscription itself. The company is actively encouraging more people to try the automated system by offering these tangible financial benefits, and the math works out so that the more a person uses the software, the less they pay for their coverage.

Current state availability

This updated pricing structure is currently limited to six states for new buyers, requiring users to live in specific areas to see the savings. The recent addition of Tennessee follows company filings from early 2026 that detailed plans to bring the in-house insurance program there. State governments strictly regulate dynamic rate adjustments, so the automaker must secure separate legal approvals before offering this real-time pricing to additional markets. Soon, the company hopes to expand these benefits to other regions where they operate, pending further green lights from local lawmakers.