Tesla Insurance launches driver safety score in California, but only for ‘educational purposes’

Tesla Insurance has activated its controversial Driver Safety Score, which tracks real-time driving data, in California, its biggest market, but it’s only for ‘educational purposes’ and won’t affect premiums … for the moment.

Tesla had already introduced its own insurance product in California, but it did not use real-time driving data or Tesla’s safety score, which had been its original goal.

Before expanding its insurance product to other markets, the company wanted to develop its Safety Score system, which uses real-time driving data collected from Tesla vehicles to determine if you’re a “safe driver.” ” depending on things like the number of “Forwards”. “Collision warnings” you get, the amount of hard braking you do, aggressive turns, dangerous following distance, and whether you get forced autopilot disengages.

In October, Tesla finally launched its new Safety Score-based insurance product in Texas.

The automaker says it expects drivers rated “average” based on their safety score to save 20% to 40% on their premium compared to competitors, and those with the highest scores could save between 30% and 60%.

In a review of some quotes comparing existing bonuses for Tesla drivers, it was hit or miss whether Tesla’s product was cheaper or not. There seems to be a bigger difference for those who already had a high premium based on age and gender, which Tesla insists it doesn’t use in its own premium calculations, unlike some others. insurance companies.

Additionally, when first quoting and starting a policy, Tesla assumes a safety score of 90. The monthly premium price can quickly drop if you improve on this score.

Tesla has posted an example that shows how the premium can change from month to month, depending on your score:

Month Security Note
Of travel*
Security Note
for the classification
Monthly premium
1 95 90 $121.00
2 88 90 $121.00
3 92 95 $97.00
4 98 88 $130.00
5 96 92 $111.00
6 93 98 $83.00

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

Earlier this year, Tesla Insurance expanded to Arizona and Ohio, making it now available in five states, not including California, which still doesn’t have the full product with driving data. in real time.

However, today Tesla activated its Driver Safety Score system for Tesla Insurance customers in California, but it says it won’t 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 unsubscribe anytime.

Tesla has previously expressed frustration at having issues getting California insurance regulators to approve its use of real-time driving data on its insurance product.

It’s unclear what its purpose is to enable it without affecting premiums, but it could encourage those opting for safer driving and the fact that it doesn’t actually affect the insurance product Tesla is using its technology without the approval of insurance regulators.

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