What changed with Safety Score 3.0
Tesla rolled out version 3.0 of its in-house Safety Score algorithm this month, and the most consequential change is how it weighs Full Self-Driving. Manual driving is still evaluated on the familiar metrics — hard braking, aggressive turning, forward-collision warnings, unsafe following distance, late-night driving, and forced Autopilot disengagement — but any mile logged with FSD (Supervised) engaged is now automatically scored at a perfect 100.
Tesla's own FSD (Supervised) Discount support page confirms the mechanic: the blended score is a weighted average across the 30-day rolling window, so drivers who use FSD heavily pull their overall score closer to 100 even if their manual driving is imperfect.
How much you can save
| Requirement | Threshold |
|---|---|
| Minimum mileage in the 30-day window | 5 miles |
| Minimum share driven under FSD (Supervised) | 1% |
| Share required for the maximum discount | 50% or more |
| Maximum discount on eligible coverages | 10% |
The discount applies to the major liability and collision lines of a Tesla Insurance policy. Drivers who already scored well on Safety Score 2.x will see smaller gains than those who previously sat in the 80s — the FSD mileage effectively caps the downside of a bad manual-driving week.
Where it is available
Safety Score 3.0 is live today only in states where Tesla Insurance operates directly: Indiana, Tennessee, Texas, Arizona, Virginia, and Illinois. NotATeslaApp's reporting notes new customers get the 3.0 terms at sign-up, while existing customers have to wait for their next renewal to see the change. Drive Tesla Canada points out that the underwriting logic is unusual for the US market — most insurers penalise driver-assist miles because the liability picture is still unsettled.
Why European owners should care
Tesla Insurance is not sold in Europe. Even so, the pricing signal matters: the RDW's approval of FSD (Supervised) in the Netherlands on 10 April 2026 means Tesla now has at least one European regulator treating FSD as a type-approved driver-assistance feature. Once a handful of markets follow, Tesla is in a position to license or partner with European insurers on the same mileage-weighted model. Expect the debate about who pays when a Level 2 system makes a mistake to intensify in Brussels long before it gets resolved in Washington.
What to do if you drive a Tesla in the US
- Check whether your state is in the six covered today and whether you are already on Tesla Insurance.
- If you are new, the 3.0 terms apply automatically.
- If you are an existing customer, note your renewal date — the new conditions kick in only then.
- Keep in mind that the 100 score only applies while FSD is actually engaged, not when Autopilot or Basic Autopilot is active.