Tesla Insurance Filing Indicates Expansion into Additional States; Tennessee Likely Next
New regulatory filings reveal that Tesla has applied to launch its in-house insurance program in Tennessee, proposing an effective date of March 1, 2026. The move follows the company’s ongoing efforts to expand its in-house insurance offerings.
Tesla has submitted regulatory paperwork to launch its proprietary insurance program in Tennessee, proposing an effective date of March 1, 2026. The filing follows Tesla’s recent expansion to Florida—the company’s first new market in three years—signaling a renewed push to grow its insurance footprint.
This renewed momentum suggests U.S. customers can expect faster rollouts throughout 2026. With Florida and now Tennessee announced after the three‑year pause, Tesla appears poised to accelerate market entries.
FSD discounts included
The Tennessee filing confirms the program will include Tesla’s Full Self-Driving (FSD) discount structure from day one, consistent with its offerings in other states. Under this model, premiums are adjusted based on FSD usage and the vehicle’s Safety Score. Tesla, underwriting its own insurance, can therefore tailor incentives and pricing directly to driver behavior. Monthly premiums will be calculated with reference to miles driven on FSD and Safety Score metrics; drivers who log more than 50% of their miles on FSD can typically earn discounts of up to 10% on certain portions of coverage.
Expansion roadmap
If approved for a March 1 launch, Tennessee will join 13 other states where Tesla Insurance is currently available, bringing the total to 14:
- Arizona
- California (no Safety Score)
- Colorado
- Florida
- Illinois
- Maryland
- Minnesota
- Nevada
- Ohio
- Oregon
- Texas
- Utah
- Virginia
Tesla’s prior round of filings included Arizona, Florida, Georgia, Illinois, and Tennessee. With three of those filings already completed, the company looks likely to continue rapid expansion through 2026, with Georgia and New Jersey among the potential next markets.
This renewed momentum suggests U.S. customers can expect faster rollouts throughout 2026. With Florida and now Tennessee announced after the three‑year pause, Tesla appears poised to accelerate market entries.
FSD discounts included
The Tennessee filing confirms the program will include Tesla’s Full Self-Driving (FSD) discount structure from day one, consistent with its offerings in other states. Under this model, premiums are adjusted based on FSD usage and the vehicle’s Safety Score. Tesla, underwriting its own insurance, can therefore tailor incentives and pricing directly to driver behavior. Monthly premiums will be calculated with reference to miles driven on FSD and Safety Score metrics; drivers who log more than 50% of their miles on FSD can typically earn discounts of up to 10% on certain portions of coverage.
Expansion roadmap
If approved for a March 1 launch, Tennessee will join 13 other states where Tesla Insurance is currently available, bringing the total to 14:
- Arizona
- California (no Safety Score)
- Colorado
- Florida
- Illinois
- Maryland
- Minnesota
- Nevada
- Ohio
- Oregon
- Texas
- Utah
- Virginia
Tesla’s prior round of filings included Arizona, Florida, Georgia, Illinois, and Tennessee. With three of those filings already completed, the company looks likely to continue rapid expansion through 2026, with Georgia and New Jersey among the potential next markets.
