Tesla expands its insurance coverage based on real-time driving data to two more states – now in 10 states

Tesla confirmed today that it has expanded its insurance using real-time driving data to two more states, Utah and Maryland – now in 10 or 11 states if you count California, which has Tesla Insurance but not real-time data.

Tesla Insurance extension

Tesla updated its website to note that its real data insurance is now available to customers in Utah and Maryland.

The combination makes all 10 countries have Tesla Insurance based on real-time driving data:

  • Arizona
  • Colorado
  • Illinois
  • Maryland
  • Nevada
  • Ohio
  • Oregon
  • Texas
  • Utah
  • Virginia

Tesla has not yet taken full ownership in California, but the automaker recently began allowing people who get Tesla Insurance in California to use the Driver Safety Score for “educational purposes.”

Recently, Tesla’s insurance claims have been filed in Florida and New Jersey – indicating that the automaker is looking to expand into those states in the near future.

In October last year, CEO Elon Musk said that Tesla Insurance wants to be “in many countries” by the end of 2022. The insurance policy is complex and varies from state to state. Therefore, Tesla has a lot of work to do to establish itself in each new state, but the effort seems to be paying off with many new markets being added in the past few months.

How Tesla Insurance Works

Tesla initially launched its insurance in California, but did not use the real time driving or safety of Tesla, which was the original goal.

Before expanding its insurance products to other markets, Tesla wanted to develop its own safety system, which uses data collected in real time from Tesla vehicles to determine whether you are a “safe driver” based on the number of “Forward Collisions”. Warning” you get, the amount of hard braking, hard turns, unsafe following distance, and if you force the removal of Autopilot.

In October 2021, Tesla launched its new insurance policy in Texas.

The automaker says it expects that drivers who are rated as “average” in terms of safety should save 20% to 40% on their premiums compared to their competitors, and those with safe scores could save between 30% and 60%.

In reviewing some of the comparisons that were available for Tesla drivers, it was hit or miss as to whether Tesla’s products were cheap or not. It seems that there is a big difference for those who previously had higher wages according to age and gender, which Tesla insists that it does not use in its initial calculations, unlike other insurance companies.

Also, when you first mention and start the process, Tesla takes a safety rating of 90. The monthly premium can drop quickly if you manage this.

Tesla released an example that shows how the money could change from month to month based on your score:

Moon Security implications
From Trips*
Security implications
about Rating
Monthly Premium
1 95 90 $121.00
2 88 90 $121.00
3 92 95 $97.00
4 98 88 $130.00
5 96 92 $111.00
6 93 98 $83.00

Since launching the product, Tesla has integrated everything into its mobile app, from ordering insurance to using safety features to paying and managing claims.

The company expanded the insurance to Illinois in December and then to Arizona and Ohio in January.

In April, Tesla launched real-time driver insurance in Colorado, Oregon, and Virginia.

In June, the automaker expanded sales to Nevada and now in July, we now see Utah and Maryland added to the list.

It will be interesting to see if Tesla can really do more countries with its insurance by the end of the year as Musk said.

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