--- title: "Tesla Insurance files to expand into Tennessee, targeting March 2026 launch" type: "News" locale: "zh-HK" url: "https://longbridge.com/zh-HK/news/272291265.md" description: "Tesla is set to expand its in-house auto insurance program to Tennessee, targeting a launch date of March 1, 2026. This follows the recent rollout in Florida, marking the company's first expansion in over three years. The new program will feature a telematics-driven model, offering discounts based on the use of Tesla's Full Self-Driving system. Tesla Insurance has seen significant growth, generating $747 million in written premiums in the first nine months of 2025, prompting further market expansions." datetime: "2026-01-12T15:10:39.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/272291265.md) - [en](https://longbridge.com/en/news/272291265.md) - [zh-HK](https://longbridge.com/zh-HK/news/272291265.md) --- > 支持的語言: [简体中文](https://longbridge.com/zh-CN/news/272291265.md) | [English](https://longbridge.com/en/news/272291265.md) # Tesla Insurance files to expand into Tennessee, targeting March 2026 launch Tesla is preparing to bring its in-house auto insurance program to Tennessee. The expansion, if it arrives on time, would be the second new market for the product in as many months, after the company went over three years without expanding at all. According to regulatory filings first shared by Coverager, Tesla Property & Casualty has submitted a new private-passenger auto insurance program in the state, with a proposed effective date of March 1, 2026. If approved, Tennessee would become Tesla Insurance’s 14th U.S. market, after the company spent more than three years without adding a single new state. Florida’s rollout earlier this month broke that freeze, and Tennessee now appears to be next in line. According to the filing, Tesla plans to introduce its full telematics-driven insurance model in Tennessee, including a Full Self-Driving (Supervised) discount that directly ties premiums to how often customers use Tesla’s advanced driver-assistance system. The program will track the percentage of miles driven on FSD (Supervised) each month and apply a discount that scales with usage — rewarding drivers who allow the system to handle more of their daily driving. That model mirrors Tesla’s broader strategy of using real-time vehicle data to price insurance more precisely than traditional carriers. In states where Tesla Insurance operates, with the only exception being California, premiums are dynamically adjusted using the company’s Safety Score system, which evaluates driving behaviour such as hard braking, aggressive turning, speeding, following distance, and overall mileage. Scores update monthly, allowing rates to rise or fall based on how a customer actually drives, rather than relying solely on demographics or historical averages. The FSD-based discount takes that concept a step further by linking pricing not just to driver behaviour, but to the extent that Tesla’s software is actively controlling the vehicle. In states where it is offered, Tesla tracks total miles driven and miles driven with FSD (Supervised) enabled over a rolling 30-day period. The higher that percentage, the larger the discount applied to eligible portions of the insurance policy. Tesla Insurance has quietly grown into a significant business. For the first nine months of 2025, Tesla’s insurance carriers generated $747 million in written premiums, highlighting how quickly the program has scaled despite being available in just over a dozen states. That growth gives Tesla more incentive to accelerate regulatory filings and expand into new markets. ### 相關股票 - [Tesla (TSLA.US)](https://longbridge.com/zh-HK/quote/TSLA.US.md) - [GraniteShares 2x Short TSLA Daily ETF (TSDD.US)](https://longbridge.com/zh-HK/quote/TSDD.US.md) - [Direxion Daily TSLA Bull 2X Shares (TSLL.US)](https://longbridge.com/zh-HK/quote/TSLL.US.md) - [AXS TSLA Bear Daily ETF (TSLQ.US)](https://longbridge.com/zh-HK/quote/TSLQ.US.md) - [XI2CSOPTSLA-U (09366.HK)](https://longbridge.com/zh-HK/quote/09366.HK.md) - [XL2CSOPTSLA (07766.HK)](https://longbridge.com/zh-HK/quote/07766.HK.md) - [XI2CSOPTSLA (07366.HK)](https://longbridge.com/zh-HK/quote/07366.HK.md) - [GraniteShares 2x Long TSLA Daily ETF (TSLR.US)](https://longbridge.com/zh-HK/quote/TSLR.US.md) ## 相關資訊與研究 - [Tesla first-quarter deliveries are coming. What it means for the stock.](https://longbridge.com/zh-HK/news/281359346.md) - [Tesla First Quarter 2026 Production, Deliveries & Deployments | TSLA Stock News](https://longbridge.com/zh-HK/news/281529738.md) - [Tesla’s sales recover slightly, but the trend lines are all bad](https://longbridge.com/zh-HK/news/281541012.md) - [Tesla's First Quarter EV Sales: Analysts Project Modest Gains](https://longbridge.com/zh-HK/news/281225239.md) - [The Tesla Model S And Model X Are Officially Dead](https://longbridge.com/zh-HK/news/281317969.md)