Tesla is lining up Indiana as one of the next additions to its growing insurance business, filing a new auto insurance program that would bring its telematics-based coverage to the state. The submission comes as Tesla appears to be accelerating the expansion of its insurance program after a three-year drought.
The filing was made by Tesla Property & Casualty and outlines a full private-passenger auto program designed specifically for Tesla vehicles, with a proposed starting date of March 1, 2026. (via Coverager)
If that timeline holds, Indiana won’t be the only state to see Tesla Insurance arrive in March. As we told you earlier today, Tesla recently submitted a similar filing to also expand their insurance program to Tennessee. Under the program in both states, Tesla will track how much of a driver’s monthly mileage is completed with FSD (Supervised) enabled, and an insurance discount will be canulated monthly and applied to the policy.
That discount is layered on top of Tesla’s broader telematics-based pricing model, using the company’s Safety Score system, which has become the foundation of its insurance business. The score evaluates real-world driving behaviour, including hard braking, aggressive turning, speeding, following distance, and mileage. These factors are recalculated every 30 days, allowing premiums to rise or fall based on how a customer actually drives.
In California, Tesla Insurance is not allowed to use real-time telematics or driving behaviour to set premiums, as state regulations prohibit insurers from basing rates on live vehicle data.
The Indiana and Tennessee filings come just days after Tesla broke a three-year expansion drought by launching Tesla Insurance in Florida, its first new state since 2022. Florida became Tesla’s 13th insurance market and one of its most important, given the state’s high premiums and shrinking pool of traditional insurers.
Tesla Insurance is available in the following states:
• Virginia
• Arizona
• California
• Colorado
• Florida
• Illinois
• Maryland
• Minnesota
• Nevada
• Ohio
• Oregon
• Texas
• Utah
