On 14 September 2026 Tesla added an insurance estimator to its vehicle order page. It sits directly beneath the Full Self-Driving (Supervised) option and invites buyers to "explore insurance estimates by mileage and coverage, including a comparison with and without FSD usage."
That last clause is the whole point. Tesla has offered an FSD insurance discount since February 2025, but it has never put a number in front of a buyer at the moment they are deciding whether to tick the box.
What the estimator shows
The default quote assumes good driving, 10,000 annual miles and standard coverage. An "Edit Details" control lets the buyer change the mileage and the coverage level and watch the figure move.
Not a Tesla App's worked example is a 2026 Model Y RWD ordered in Austin, Texas:
| FSD usage | Estimated premium |
|---|---|
| None | $205 per month |
| 95% of miles | $148 per month |
That is $57 a month, or $684 a year — a 28% reduction on the quoted premium. Against a US FSD subscription of $99 a month, the estimator is effectively telling a buyer that insurance gives back more than half of what the software costs.
The gap is bigger than the discount Tesla publishes
This is where the page deserves scepticism. Tesla's FSD insurance discount, introduced in February 2025 and first offered in Texas and Arizona, is described as up to 10% off certain coverages for drivers who use FSD on at least half their miles over a rolling 30-day window.
A 28% spread between the two quotes is not that discount. The likely explanation is that the high-FSD case is compounding two things: the discount itself, and a better predicted Safety Score, because Tesla Insurance prices on measured driving behaviour and miles driven on FSD tend to score well. But Tesla has published no methodology for the estimator, and the page carries no explanation of what separates the two numbers.
It is also an estimate on a configurator, not a bindable quote. The premium a buyer actually pays depends on the Safety Score their driving produces after delivery, not on the assumption the page made before it.
Where it works
The section only appears in the US states where Tesla Insurance itself is sold, which is a short list and does not include most of the country. Everywhere else, the order page is unchanged.
Europe gets the argument, not the product
Tesla Insurance is not sold in Europe, so no European buyer will see this section. What travels is the argument underneath it — that FSD-driven miles are cheaper to insure — and that argument is starting to arrive here through third parties rather than through Tesla. Zurich has just begun charging Australian Tesla owners less for using FSD, a third-party insurer reaching the same conclusion from its own claims data.
For European drivers the sequence still runs the other way round: the software has to be approved before anyone can price it. Tesla has published its Article 39 safety case ahead of Europe's October committee vote, and until that clears there is no European FSD mileage for an insurer to discount.
What Tesla has done here is turn a safety claim into a monthly figure at the point of sale. Whether the figure survives contact with a real policy is a different question.