Tesla Insurance has officially launched in Florida, opening the door for drivers in one of the country’s most expensive auto-insurance markets to purchase the company’s in-house coverage. The debut comes after years of regulatory delays and preparation, making Florida the 13th state where Tesla now offers its data-driven insurance product, and the first expansion into a new market since late 2022.
Florida’s arrival has been expected since Tesla filed updated documents with state regulators in October, revising its Private Passenger Auto program to meet state requirements. Tesla originally aimed to introduce the product in 2022, but the launch was repeatedly pushed back as regulators scrutinized how the company’s Safety Score system factors into premiums.
The version that launched today reflects Tesla’s most recent refinements. Earlier this year the company released Safety Score 2.2, removing forward collision warnings from its calculations following public criticism and an ongoing lawsuit over the metric’s reliability. The updated model evaluates driving behaviour using a range of factors—hard braking, aggressive turning, following distance, speeding, and mileage—to generate a dynamic monthly score.
Depending on those inputs and how many kilometres a driver travels, premiums can fluctuate by as much as 50% per vehicle.
Tesla also offers a Full Self-Driving (Supervised) discount in Arizona and Texas. The discount rewards owners who spend a greater share of their driving time with FSD (Supervised) enabled. Tesla tracks both total distance driven and total distance driven with FSD (Supervised) over a 30-day period, applying a discount that scales with usage. Drivers who use FSD (Supervised) for at least 50% of their miles can earn up to a 10% reduction on eligible coverages.
Florida’s insurance market has been under significant pressure, with rising repair costs, frequent collisions, and severe weather contributing to some of the highest premiums in the United States. Several major insurers have scaled back operations or withdrawn from the state entirely, creating an opening for new players. Tesla’s launch gives owners a new alternative designed to integrate tightly with the company’s vehicle ecosystem and real-time telematics.
With today’s launch, Tesla Insurance is now available across 13 states, including Arizona, California, Colorado, Illinois, Maryland, Minnesota, Nevada, Ohio, Oregon, Texas, Utah, and Virginia. However, Florida represents one of the company’s largest potential customer bases to date.
