Lemonade Expands FSD-Based Tesla Insurance to 7 States With 50% Off Autonomous Miles
XFreeze · x · 2026-11-14
Lemonade's Autonomous Car insurance now covers seven states: Arizona, Colorado, Indiana, Missouri, Ohio, Oregon, and Tennessee.
- Teslas with HW4 and FSD v14+ get 50% off every mile driven on FSD; HW3 cars on FSD v14 Lite get 30% off in six states
- With owner permission, Lemonade connects to Tesla via the Fleet API to distinguish FSD-driven miles from manual ones
- The author argues insurers don't hand out discounts this big unless risk data supports it — FSD's safety edge is now showing up in real ownership costs
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