<div id="readability-page-1">Tesla Insurance has officially expanded to a new U.S. state, its thirteenth since its launch in 2019. Tesla has confirmed that its in-house Insurance program has officially made its way to Florida, just two months after the company filed to update its Private Passenger Auto program in the state. It had tried to offer its insurance program to drivers in the state back in 2022, but its launch did not happen. Instead, Tesla refiled the paperwork back in mid-October, which essentially was the move toward initiating the offering this month. <blockquote> BREAKING: Tesla Insurance has just officially launched in Florida. This is the first new state to receive @Tesla Insurance in more than 3 years. In total, Tesla insurance is now available in 13 U.S. states (map in thread below of all the states). Tesla Insurance in Florida uses… pic.twitter.com/bDwh1IV6gD — Sawyer Merritt (@SawyerMerritt) December 17, 2025</blockquote> Tesla’s in-house Insurance program first launched back in late 2019, offering a new way to insure the vehicles that was potentially less expensive and could alleviate a lot of the issues people had with claims, as the company could assess and repair the damage itself. It has expanded to new states since 2019, but Florida presents a particularly interesting challenge for Tesla, as the company’s entry into the state is particularly noteworthy given its unique insurance landscape, characterized by high premiums due to frequent natural disasters, dense traffic, and a no-fault system. <blockquote>Tesla partners with Lemonade for new insurance program</blockquote> Annual average premiums for Florida drivers hover around $4,000 per year, well above the national average. Tesla’s insurance program could disrupt this, especially for EV enthusiasts. The state’s growing EV adoption, fueled by incentives and infrastructure development, aligns perfectly with Tesla’s ecosystem. Moreover, there are more ways to have cars repaired, and features like comprehensive coverage for battery damage and roadside assistance tailored to EVs address those common painpoints that owners have. However, there are some challenges that still remain. Florida’s susceptibility to hurricanes raises questions about how Tesla will handle claims during disasters. Looking ahead, Tesla’s expansion of its insurance program signals the company’s ambition to continue vertically integrating its services, including coverage of its vehicles. Reducing dependency on third-party insurers only makes things simpler for the company’s automotive division, as well as for its customers. The post Tesla Insurance officially expands to new U.S. state appeared first on TESLARATI.</div>

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Tesla Insurance has expanded to Florida, marking its thirteenth state since its 2019 launch. This move comes after refiling paperwork in October. Florida's unique insurance landscape, with high premiums and frequent natural disasters, presents challenges and opportunities for Tesla. The program aims to offer potentially less expensive insurance and alleviate claim issues by handling assessments and repairs in-house. Tesla partners with Lemonade for this program, which includes comprehensive coverage for EV-specific issues. This expansion aligns with Tesla's goal of vertically integrating its services.

- Tesla Insurance has expanded to Florida, its thirteenth U.S. state, after reapplying in mid-October 2025.  
- The program aims to disrupt Florida's high average insurance premiums of around $4,000 annually, particularly benefiting EV owners amid the state's increasing electric vehicle adoption.  
- Challenges remain, especially regarding claims management during hurricanes, but this expansion exemplifies Tesla's strategy to vertically integrate its services and reduce reliance on third-party insurers.