---
title: "Tesla gets new insurance program from firm that offered ‘almost free’ FSD rates"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/269417192.md"
description: "Tesla owners in California, Oregon, and Arizona can now access Lemonade Insurance, offering 'almost free' coverage for Full Self-Driving miles. Lemonade provides direct connection via its app, eliminating telematics devices, and offers smarter pricing and better customer service. This unique insurance strategy aims to make FSD more cost-effective and supports Tesla's data collection efforts. Tesla's FSD is significantly safer, with fewer accidents compared to the national average. Tesla also plans to expand its in-house insurance program to more states, including Florida."
datetime: "2025-12-11T18:03:31.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/269417192.md)
  - [en](https://longbridge.com/en/news/269417192.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/269417192.md)
---

> Supported Languages: [简体中文](https://longbridge.com/zh-CN/news/269417192.md) | [繁體中文](https://longbridge.com/zh-HK/news/269417192.md)


# Tesla gets new insurance program from firm that offered ‘almost free’ FSD rates

Tesla owners in California, Oregon, and Arizona can now use Lemonade Insurance, the firm that recently said it could cover Full Self-Driving miles for “almost free.”

Lemonade, which offered the new service through its app, has three distinct advantages, it says:

-   Direct Connection for no telematics device needed
-   Better customer service
-   Smarter pricing

The company is known for offering unique, fee-based insurance rates through AI, and instead of keeping unclaimed premiums, it offers coverage through a flat free upfront. The leftover funds are donated to charities by its policyholders.

On Thursday, it announced that cars in three states would be able to be connected directly to the car through its smartphone app, enabling easier access to insurance factors through telematics:

> Lemonade customers who own @Tesla vehicles in California, Oregon, and Arizona can now connect their cars directly to the Lemonade app!
> 
> Direct connection = no telematics device needed  
> Better customer experience  
> Smarter pricing with Lemonade
> 
> This is a game-changer… pic.twitter.com/jbabxZWT4t
> 
> — Lemonade (@Lemonade\_Inc) December 11, 2025

Tesla recently was offered “almost free” coverage for Full Self-Driving by Lemonade’s Shai Wininger, President and Co-founder, who said it would be “happy to explore insuring Tesla FSD miles for (almost) free.”

The strategy would be one of the most unique, as it would provide Tesla drivers with stable, accurate, and consistent insurance rates, while also incentivizing owners to utilize Full Self-Driving for their travel miles.

> Tesla Full Self-Driving gets an offer to be insured for ‘almost free’

This would make FSD more cost-effective for owners and contribute to the company’s data collection efforts.

Data also backs Tesla Full Self-Driving’s advantages as a safety net for drivers. Recent figures indicate it was nine times less likely to be in an accident compared to the national average, registering an accident every 6.36 million miles. The NHTSA says a crash occurs approximately every 702,000 miles.

Tesla also offers its own in-house insurance program, which is currently offered in twelve states so far. The company is attempting to enter more areas of the U.S., with recent filings indicating the company wants to enter Florida and offer insurance to drivers in that state.

The post Tesla gets new insurance program from firm that offered ‘almost free’ FSD rates appeared first on TESLARATI.

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