Tesla Insurance is set to launch in Florida, marking the first time in over three years that the company has expanded its in-house insurance program to a new state. The move brings Tesla Insurance to one of the largest auto markets in the United States, offering Florida drivers new coverage options designed specifically for Tesla vehicles. This development comes at a time when Florida’s insurance market is undergoing significant reform proposals, potentially impacting both providers and consumers.
Tesla Insurance Expansion to Florida
Tesla Insurance first launched in 2019, aiming to provide vehicle owners with direct coverage without relying on third-party insurers. According to company statements, the program was designed to offer lower rates and a more streamlined claims process for Tesla drivers. After its initial rollout, Tesla Insurance expanded to twelve states but had not added a new state since Utah and Maryland joined the list in 2022.
Now, Tesla is preparing to enter the Florida market. According to filings reported by CoverageR, Tesla recently submitted an application to update its Private Passenger Auto program in Florida. This marks a significant step, as it would be the first state added to the Tesla Insurance program in over three years.
Current Availability and State List
As of October 2025, Tesla Insurance is available in the following states:
- Arizona
- California
- Colorado
- Illinois
- Maryland
- Minnesota
- Nevada
- Ohio
- Oregon
- Texas
- Utah
- Virginia
Florida is expected to become the thirteenth state to offer Tesla Insurance, pending regulatory approval. This expansion is happening as property insurance rate hikes have recently been approved for Florida customers, highlighting the dynamic nature of the state’s insurance landscape.
Why Florida Is Important for Tesla Insurance
Florida is one of the largest auto insurance markets in the country. The state’s high rate of electric vehicle adoption and large population of Tesla owners make it a strategic location for expansion. According to industry analysts, entering Florida could significantly increase the number of Tesla Insurance policyholders and provide more data for the company’s telematics-based pricing model.
Tesla Insurance Features and Safety Score System
Tesla Insurance offers several features designed to appeal to Tesla owners. One of the key elements is the use of the company’s proprietary Safety Score system. This system uses real-time driving data to adjust insurance rates based on individual driving behavior.
The current version, known as Safety Score Beta v2.2, tracks the following factors:
- Hard Braking
- Aggressive Turning
- Unsafe Following
- Excessive Speeding
- Late-Night Driving
- Forced Autopilot Engagement
- Unbuckled Driving
According to Tesla, drivers with higher Safety Scores may qualify for lower insurance rates, with some customers reportedly seeing savings of 20–30% compared to traditional providers. However, in California, regulatory rules prevent Tesla from using real-time telematics for insurance pricing. This regulatory environment echoes recent actions where Florida insurance companies were fined for mishandling disaster claims, underscoring the importance of compliance and consumer protection in the state.
How Tesla Insurance Benefits Owners
Tesla states that its insurance program offers advantages for owners because the company understands its vehicles, parts, and repair processes. This familiarity can lead to faster claims handling and more accurate repair estimates. Many drivers have switched from previous providers to Tesla Insurance for these reasons.
Regulatory Process and Timeline in Florida
According to filings cited by CoverageR, Tesla has updated its application with the Florida Office of Insurance Regulation. The process involves regulatory review, public comment, and final approval before policies can be offered to consumers.
Back in 2022, Tesla filed its initial application to offer insurance in Florida, but the program did not launch at that time. The new filing represents renewed efforts to enter the state. As of October 2025, there is no official launch date, and details may be updated as the application moves through the regulatory process.
Other States and International Expansion
Beyond Florida, Tesla has indicated interest in expanding Tesla Insurance to additional states, including Georgia and New Jersey. The company has also explored options in Europe, opening an insurance office and hiring legal counsel, but has not yet launched vehicle coverage outside the United States.
Frequently Asked Questions About Tesla Insurance in Florida
What is Tesla Insurance and how does it work in Florida?
Tesla Insurance is an in-house auto insurance program offered by Tesla for its vehicle owners. In Florida, it will use driving data and a Safety Score system to determine rates, pending regulatory approval.
How much could drivers save with Tesla Insurance in Florida?
According to Tesla, drivers may see rates that are 20–30% lower than traditional insurance providers, depending on their Safety Score and driving habits. Actual savings will vary by individual case and are subject to regulatory review.
Are there any special requirements to get Tesla Insurance in Florida?
To qualify for Tesla Insurance in Florida, drivers will generally need to own a Tesla vehicle and agree to share driving data with the company. Additional eligibility requirements may apply, depending on state regulations.
Can you use Tesla Insurance for non-Tesla vehicles in Florida?
Tesla Insurance is primarily designed for Tesla vehicles. Coverage for non-Tesla vehicles is not widely available and may not be offered in Florida.
Where are Tesla Insurance policies currently available?
Tesla Insurance is currently available in Arizona, California, Colorado, Illinois, Maryland, Minnesota, Nevada, Ohio, Oregon, Texas, Utah, and Virginia. Florida is expected to join this list soon, pending regulatory approval. If you are a Maryland resident and have concerns or complaints regarding your insurance policy, you can contact the Maryland Office of the Commissioner of Insurance for assistance.
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