Tesla Insurance launches driver safety score in California but only for 'educational purposes'

Tesla Insurance has enabled its controversial Driver Safety Score, which tracks driving data in real-time in its largest market in California, but that’s only for “educational purposes” and won’t affect premiums for now .

Tesla had already introduced its insurance product in California, but it did not use real-time driving data and Tesla’s Safety Score, which was its original goal.

Before expanding its insurance product to other markets, the company wanted to build out its Safety Score system, which uses driving data collected in real time from Tesla vehicles to determine whether you’re a “good driver.” “, as in based on the number of “forwards”. “Collision Alert” you receive, the amount of hard braking you must do, aggressive turns, unsafe following distances, and if you forcibly release the autopilot.

In October, Tesla finally launched its new insurance product based on safety scores in Texas.

The automaker says it expects “average” drivers to save 20% to 40% on their premiums compared to competitors, depending on their safety scores, and those with the safest scores between 30% and 60%. You can save the middle.

In a review of some of the quotes comparing current premiums for Tesla drivers, it was hit or miss whether Tesla’s product was cheap. There appears to be a big difference for those who already had higher premiums based on age and gender, which Tesla says it isn’t using in its own premium calculations, unlike other insurance companies.

Also, when the policy is first quoted and introduced, Tesla assumes a safety score of 90. If you improve on this score the monthly premium value can go down quickly.

Tesla released an example that shows how premiums can change from month to month based on your score:

Monthsafety score
from trips,		safety score
for rating		monthly premium
19590$121.00
28890$121.00
39295$97.00
49888$130.00
59692$111.00
69398$83.00

In December, the company expanded its insurance product to Illinois.

Earlier this year, Tesla Insurance expanded to Arizona and Ohio — it’s now made available in five states — California is not included — which still don’t have a full product with real-time driving data.

However, today, Tesla enabled its Driver Safety Score system for Tesla Insurance customers in California, but it says it will not affect premiums in the announcement:

Safety Score (beta) is now available for California Tesla Insurance customers. For educational purposes and will not affect your insurance availability or premium. You can opt out at any time.

Tesla previously expressed frustration about issues with California insurance regulators approving the use of real-time driving data on its insurance product.

It’s not clear what it aims to do with enabling this without affecting premiums, but it could encourage those who choose to drive safer and the fact that it doesn’t actually affect the insurance product. has been, enabling Tesla to use its technology without approval from insurance regulators.

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