Tesla Insurance Review
Tesla Insurance is an OEM-direct product sold only to Tesla owners in approximately 13 states, with a state-by-state carrier-of-record split that is the single most important YMYL disclosure. In CALIFORNIA, Tesla Property & Casualty, Inc. is the carrier of record (Tesla subsidiary; CDI-admitted; rating UNVERIFIED), and the policy uses traditional Prop-103 rating. In ALL OTHER CURRENT TESLA INSURANCE STATES, State National Insurance Company (NAIC #12831, Markel Group subsidiary; AM Best A Excellent historical) is the carrier of record, and monthly premium is recalculated each month based on the prior month's Safety Score — a lower Safety Score results in a HIGHER monthly premium than the baseline estimate at quote. The price Tesla quoted is NOT the price you will pay. California DOI has publicly scrutinized Safety Score methodology; no confirmed formal enforcement orders as of 2026-10-02.
YesWeSure Bottom Line
Tesla Insurance is OEM-direct for Tesla owners, sold in approximately 13 states. The structural fact every reader must understand: in non-California states, your monthly premium is recalculated each month from your Safety Score and CAN GO UP — this is NOT a discount-only program like Progressive Snapshot or State Farm Drive Safe & Save. California uses a traditional Prop-103 rate (no Safety Score monthly adjustment).
Strong at
OEM-direct distribution plus Tesla-specific coverages
Policy management inside the Tesla app. Electronic Key, Wall Connector, and Cyber Identity coverages are Tesla-specific. Non-California carrier of record is State National Insurance Company (Markel Group subsidiary; A Excellent historical AM Best rating).
Watch for
Safety Score raises monthly premium (non-CA) and two separate ratings
In non-California states, Tesla Safety Score IS the pricing mechanism and CAN raise your monthly premium above the quoted baseline. California readers rely on Tesla Property & Casualty, Inc. (rating UNVERIFIED); non-California readers rely on State National (Markel subsidiary). These are not the same financial-strength assessment. California DOI has publicly scrutinized Safety Score methodology.
Worth comparing if
Tesla owners who want a single-vendor experience
Worth quoting if you own or are buying a Tesla (Model S, 3, X, Y, or Cybertruck), live in one of the ~13 Tesla Insurance states, and want policy management inside the Tesla app. California Tesla owners get a traditional Prop-103 rate; non-California Tesla owners should know their monthly premium is Safety-Score-dependent.
Quote-dependent
Your state (California vs non-California) and your Safety Score
Whether your state is one of the ~13 Tesla Insurance states; whether you are in California (traditional Prop-103 rating) or non-California (Safety Score monthly adjustment); your Safety Score during the first full month of the policy (which sets your second-month premium); and whether your household includes non-Tesla vehicles that need to be insured separately.
At a glance
Parent
Tesla, Inc. (NASDAQ: TSLA); OEM-direct insurance product
Availability
~13 states (AZ, CA, CO, IL, MD, MN, NV, OH, OR, TX, UT, VA, WA); confirm current list at tesla.com/support/insurance
Distribution
OEM-direct via tesla.com and Tesla mobile app
Carrier of record — California
Tesla Property & Casualty, Inc. (Tesla subsidiary; CDI-admitted). Rating UNVERIFIED, verify at ambest.com
Carrier of record — non-California
State National Insurance Company (NAIC #12831, Markel Group subsidiary). AM Best A (Excellent) historical; verify current rating1
Eligibility
Must own or be purchasing a Tesla (Model S, 3, X, Y, or Cybertruck)
Telematics (non-CA)
Tesla Safety Score — MONTHLY premium recalculated each month; CAN GO UP for low Safety Scores3
Telematics (California)
Prop 103 prohibits real-time telematics rating; CA Tesla uses traditional rating (driver, vehicle, territory, coverage)3
Tesla-specific coverages
Electronic Key, Wall Connector, Cyber Identity. No FSD-specific discount (publicly disclaimed by Tesla)
Market share (2024)
<0.1% group PPA DWP; attribution complicated by State National fronting (Markel group aggregation)1
Strengths & considerations
Strengths
- OEM-direct distribution with Tesla-vehicle data. Tesla Insurance integrates directly with vehicle telemetry via tesla.com and the Tesla mobile app. No agent markup; policy management inside the Tesla app. For Tesla owners who want a single-vendor experience across vehicle, charging, and insurance, this is a real operational feature.1
- Tesla-specific coverages the mass market does not offer. Electronic Key coverage (replacement of Tesla phone-key or key-card), Wall Connector coverage (home charging equipment), and Cyber Identity coverage (in states where offered) are Tesla-specific endorsements. No mainstream carrier packages these together.1
- Markel Group (A Excellent) as the non-California carrier of record. For non-California Tesla Insurance policies, State National Insurance Company (a Markel Group subsidiary; AM Best A Excellent historical) is the carrier of record. This is a mainstream A-tier balance sheet, not a startup insurer.1
Considerations
- The price Tesla quoted is NOT the price you will pay (non-California). In non-California states, monthly premium is recalculated each month based on the prior month's Safety Score. A lower Safety Score results in a HIGHER monthly premium than the baseline estimate shown at quote. This is structurally different from Progressive Snapshot or State Farm Drive Safe & Save, which only discount. This is the single most important disclosure for Tesla Insurance readers.3
- Two separate financial-strength ratings behind the same brand. California customers rely on Tesla Property & Casualty's balance sheet (rating UNVERIFIED; may be NR). Non-California customers rely on State National (Markel Group, A Excellent historical). These are not the same financial-strength assessment — know which one applies to your state before signing.1
- California DOI has scrutinized Safety Score methodology. The California Department of Insurance has publicly raised concerns about the transparency and actuarial basis of Tesla's Safety Score methodology. No confirmed formal enforcement orders as of 2026-10-02; status should be verified at the CDI Enforcement Actions page.1
- Tesla NAIC complaint index outside California cannot be isolated. State National's NAIC complaint index aggregates every fronted program it writes — not just Tesla Insurance. A reader cannot look up a Tesla-specific complaint index for non-California states. For California, Tesla P&C's CDI complaint ratio is the clean data; pull from CDI 2025 Consumer Complaint Study before relying.6
Coverage options
Tesla Insurance writes standard personal auto coverages plus carrier-specific products listed below. State availability and endorsement limits vary; confirm at quote time.
- Bodily injury and property damage liability1
- Collision1
- Comprehensive1
- Uninsured and underinsured motorist: Where state requires.1
- Personal injury protection: No-fault states only.1
- Medical payments1
- Rental reimbursement1
- Roadside assistance1
- Electronic Key coverage: Tesla-specific: replacement of Tesla phone-key or key-card.1
- Wall Connector coverage: Tesla home charging equipment.1
- Cyber Identity coverage: Availability varies by state.1
- FSD-specific coverage / discount: Tesla has publicly disclaimed any premium discount for FSD; standard liability applies to driver actions regardless of Autopilot engagement.1
Discounts
- Multi-vehicle (multiple Teslas): More than one Tesla on the same policy.1
- Autopay / paperless: Electronic payment and policy delivery; state-dependent.1
- Safety Score (non-CA only): In non-California states, Safety Score IS the pricing mechanism — not a stacked discount. See telematics section.3
Tesla Safety Score (telematics)
Tesla Safety Score is Tesla Insurance's smartphone-based telematics program. The app tracks hard braking, hard cornering, phone use while driving, time of day driven, speed YMYL CRITICAL: Tesla Safety Score behaviors tracked are Forward Collision Warnings per 1,000 miles, Hard Braking, Aggressive Turning, Unsafe Following, Forced Autopilot Disengagement, Unbuckled Driving, Excessive Speeding, and Late Night Driving. In NON-CALIFORNIA STATES, monthly premium is recalculated each month and a lower Safety Score results in a HIGHER monthly premium than the baseline estimate shown at quote. The price you quoted is not the price you will pay — this is the single most important disclosure for Tesla Insurance readers. In CALIFORNIA, Prop 103 prohibits real-time telematics-based rating; California Tesla Insurance uses a traditional rating methodology (driver, vehicle, territory, coverage) and does NOT adjust monthly premium based on Safety Score the way non-CA states do.3
- Enrollment discount: Safety Score IS the pricing mechanism in non-CA states; not a stacked discount3
- Max renewal discount: Monthly premium is recalculated each month from the prior month Safety Score3
- Can it raise your rate? Yes. Risky driving at renewal can push the premium up, not just down. Read Tesla Insurance's Tesla Safety Score addendum for your state before enrolling.3
Pricing
Every Tesla Insurance quote is personal. What follows are modeled premiums for defined driver profiles from reputable publisher analyses — not personalized quotes. Use them to calibrate what to expect, not to replace a real quote in your state.
Tesla marketing claim (not an independent benchmark) (January 2026): Tesla has publicly claimed 20-30% savings versus incumbent carriers; this is marketing, not a verified comparative rate benchmark. Do not reproduce as a rate claim. CRITICAL: Tesla's non-California monthly premium is recalculated each month based on the previous month's Safety Score — the quote you see at bind time is a baseline estimate, not a locked-in price.3
- Monthly premium is Safety-Score-dependent in non-CA states: $0 per year
How to read these numbers. Different publishers model different profiles and may use different underlying data (Quadrant Information Services is the most common dataset). Your quote depends on your driving record, credit-based insurance score where allowed, vehicle, garaging ZIP, mileage, prior insurance history, age, household composition, telematics participation, and the coverages and deductibles you select.
Complaints and regulatory record
The National Association of Insurance Commissioners publishes a complaint index that normalizes complaint counts against a company's share of premium written. A value of 1.0 represents the baseline expected complaint volume for a company of that size; lower is generally better.
A naive 'Tesla Insurance NAIC complaint index' outside California is UNRELIABLE because State National's complaint index aggregates every fronted program it writes, not just Tesla's. For California data (Tesla P&C only), pull the CDI 2025 Consumer Complaint Study and NAIC CIS directly. State explicitly in editorial that the non-California complaint index for Tesla cannot be isolated from State National's aggregate book.6
To look up the current complaint index for the specific Tesla Insurance underwriting entity that writes policies in your state, use the NAIC Consumer Information Source or your state Department of Insurance. The entities most commonly rated for Tesla Insurance are:
- Tesla Property & Casualty, Inc. (California data only)
- State National Insurance Company (NAIC #12831; aggregates ALL State National fronted programs, not just Tesla Insurance; the complaint index is NOT clean for Tesla alone outside California)
Complaint index measures regulator-filed complaints, not overall service quality; treat it as one input among several. Index values vary by underwriting entity and by state and can shift year over year, so pull the current number for your state before signing.
Financial strength
AM Best affirmed Tesla Insurance at Financial Strength Rating A (Excellent) and Long-Term Issuer Credit Rating a+ (Excellent) at State National Insurance Company (non-CA carrier of record) on November 21, 2025 with a stable outlook2. YMYL CRITICAL: Tesla Insurance carries TWO SEPARATE financial-strength ratings depending on your state. (1) CALIFORNIA: Tesla Property & Casualty, Inc. is CDI-admitted; AM Best rating is UNVERIFIED to ambest.com and multiple secondary trackers (insuranceproviders.com, quoteserv.com) explicitly list Tesla P&C as NR (Not Rated). California readers rely on Tesla P&C's own balance sheet. (2) ALL OTHER STATES: State National Insurance Company (NAIC #12831, Markel Group subsidiary) is historically the carrier of record. AM Best affirmed State National Group members at FSR A (Excellent) and Long-Term ICR a+ (Excellent) with Stable outlook on November 21, 2025 as part of the Markel Group affirmation (Markel Group ICR bbb+ Good; outlook also Stable). The A (Excellent) rating in this record applies ONLY to non-California policies; California readers must verify Tesla P&C's current rating separately.
What these ratings mean and do not mean. A high financial-strength rating indicates the insurer has the resources to pay claims under a wide range of adverse scenarios. It is not a guarantee of any specific claim outcome, service quality, or price competitiveness in your quote. Ratings can change; check the affirmation date.
Material news (last 24 months)
- California DOI scrutiny of Tesla Safety Score methodology (ongoing) (January 2024): The California Department of Insurance has publicly raised concerns about the transparency and actuarial basis of Tesla's Safety Score methodology. No confirmed formal enforcement orders against Tesla P&C in California as of 2026-10-02; status should be verified at the CDI 'Enforcement Actions' page before relying.1
- California carrier migration (2019 launch under State National → Tesla P&C 2020) (January 2020): Tesla Insurance launched in California in 2019 under State National Insurance Company. California was later migrated to Tesla's own California entity (Tesla Property & Casualty, Inc.) around 2020. Other states remained with State National.1
YesWeSure Fit Check
Is Tesla Insurance a fit worth quoting?
Tesla Insurance tends to fit if you
- You own a Tesla (Model S, 3, X, Y, or Cybertruck) and live in one of the ~13 Tesla Insurance states.
- You want OEM-direct distribution with policy management inside the Tesla app and no agent conversation.
- You value Tesla-specific coverages (Electronic Key, Wall Connector, Cyber Identity) that mainstream carriers do not package.
- You live in California where traditional Prop-103 rating applies (no Safety Score monthly adjustment).
Look carefully if you
- You live in a non-California Tesla Insurance state and expected the Safety Score to only discount — Safety Score monthly recalculation CAN increase your bill above the quoted baseline.
- You do not own or are not buying a Tesla — Tesla Insurance is an OEM-direct product with vehicle-eligibility gate.
- Your household's primary vehicle is non-Tesla; some states permit non-Tesla vehicles on the same policy, but availability varies by state.
- You value counterparty A-tier AM Best financial strength specifically. California readers rely on Tesla P&C (rating UNVERIFIED, may be NR); non-California readers rely on State National (Markel Group, A Excellent historical).
This is decision-support reasoning, not personalized advice. Your real decision depends on your quote in your state, current regulator data, and how much of your total budget an incident could disrupt.
Ready to compare Tesla Insurance against alternatives?
Compare car insurance quotesCommon questions
Who actually underwrites my Tesla Insurance policy?
It depends on your state. CALIFORNIA: Tesla Property & Casualty, Inc. (Tesla's own California subsidiary; CDI-admitted) is the carrier of record. ALL OTHER CURRENT TESLA INSURANCE STATES: State National Insurance Company (NAIC #12831, Markel Group subsidiary) is historically the carrier of record. Check your declarations page to confirm which entity underwrites your specific policy.
Can Tesla Safety Score raise my monthly premium?
YES, in non-California states. Your monthly premium is recalculated each month based on the prior month's Safety Score. A lower Safety Score results in a HIGHER monthly premium than the baseline estimate shown at quote. This is structurally different from Progressive Snapshot or State Farm Drive Safe & Save, which only discount. In CALIFORNIA, Prop 103 prohibits real-time telematics-based rating; California Tesla Insurance uses a traditional rating methodology that does NOT adjust monthly premium based on Safety Score.
Where is Tesla Insurance available?
In approximately 13 states as of late 2025: Arizona, California, Colorado, Illinois, Maryland, Minnesota, Nevada, Ohio, Oregon, Texas, Utah, Virginia, and Washington. The state list changes without press release; verify the current list at tesla.com/support/insurance at bind time.
How is Tesla Insurance rated by AM Best?
Two separate ratings. For non-California policies, State National Insurance Company (the carrier of record) has historically carried AM Best FSR A (Excellent) as a Markel Group subsidiary; verify at ambest.com. For California policies, Tesla Property & Casualty, Inc. is the carrier of record and its AM Best rating is UNVERIFIED in this research pass (may be NR — Not Rated). California readers should verify Tesla P&C's current rating separately.
What Tesla-specific coverages does Tesla Insurance offer?
Electronic Key coverage (replacement of Tesla phone-key or key-card), Wall Connector coverage (home charging equipment), and Cyber Identity coverage (in states where offered). Tesla has publicly disclaimed any premium discount for FSD (Full Self-Driving); standard liability applies to driver actions regardless of Autopilot engagement.
Can I insure a non-Tesla vehicle through Tesla Insurance?
The primary insured vehicle must be a Tesla. Non-Tesla vehicles on the same policy for household members may be permitted in some states; verify per state via tesla.com/support/insurance eligibility language.
What is the California DOI investigation about?
The California Department of Insurance has publicly raised concerns about the transparency and actuarial basis of Tesla's Safety Score methodology. California's Prop-103 statutory framework prohibits real-time telematics-based rating as the primary rating factor, which is why California Tesla uses traditional rating methodology rather than Safety-Score-based monthly adjustment. No confirmed formal enforcement orders against Tesla Property & Casualty, Inc. as of 2026-10-02; status should be verified at the CDI Enforcement Actions page.
Sources & methodology
- [TIER 1] Tesla Insurance Support (eligibility, state availability, coverages) (Tesla, Inc.)
- [TIER 1] AM Best: Affirms Credit Ratings of Markel Group Inc. and Its Subsidiaries (November 21, 2025); State National Group FSR A (Excellent); Long-Term ICR a+ (Excellent); Markel Group ICR bbb+ (Good); all Stable outlook. State National is the non-California Tesla Insurance carrier of record (NAIC #12831). (AM Best)
- [TIER 1] Tesla Safety Score methodology (behaviors tracked and monthly premium adjustment) (Tesla, Inc.)
- [TIER 1] California Department of Insurance 2025 Consumer Complaint Study (Auto) — Tesla P&C data (California Department of Insurance)
- [TIER 2] J.D. Power 2025 U.S. Auto Insurance Study (Tesla not individually ranked) (J.D. Power)
- [TIER 1] NAIC Consumer Information Source (Tesla P&C California-only data; State National aggregates ALL fronted programs) (National Association of Insurance Commissioners)
Evidence hierarchy on this page: Tier 1 (regulators, insurer documentation, rating agencies), Tier 2 (independent authoritative research including J.D. Power and industry datasets), Tier 3 (reputable publishers with transparent methodology). Every material claim traces to a source in this list, with the tier shown next to each source. Modeled rate figures are premiums produced from Quadrant Information Services or publisher proprietary data for defined driver profiles; they are not personalized quotes. Last reviewed .