Self Driving Car Insurance
by KellyCriterion on 1/30/2026, 3:50:15 PM
https://www.lemonade.com/car/explained/self-driving-car-insurance/
Comments
by: hamdingers
The whole point of self-driving cars (to me) is I don't have to own or insure it, someone else deals with that and I just make it show up with my phone when I need it.
1/30/2026, 7:59:51 PM
by: jasoncartwright
If it autonomous or self-driving then why is the person in the car paying for the insurance? Surely if it's Tesla making the decisions, they need the insurance?
1/30/2026, 5:31:04 PM
by: sabareesh
Tesla have their own Insurance product which is already very competitive compared to other providers. Not sure if lemonade can beat them . Tesla's insurance product has similar objective in place already where it rewards self driving over manual driving.
1/30/2026, 5:27:05 PM
by: sktb
Hmmm. The source for the "FSD is safer" claim might not be wholly independent: "Tesla’s data shows that Full Self-Driving miles are twice as safe as manual driving"
1/30/2026, 8:05:58 PM
by: cebert
I own a Model Y with hardware version 4. FSD prevented my from getting in an accident with a drunk driver. It reacted much faster to the situation than I could have. Ever since, I’m sold that in a lot of circumstances, machines can drive better than humans.
1/30/2026, 5:33:11 PM
by: aanet
It would be interesting to see if Lemonade requires a Driver Monitoring System (DMS) to see if the driver/operator is actually paying attention (or, like sleeping / watching Netflix / whatever) while at the driver's seat.<p>Anybody know??<p>Tesla FSD is still a <i>supervised</i> system (= ADAS), afaik.
1/30/2026, 8:00:45 PM
by: 1970-01-01
A 50% discount is pretty damning empirical evidence for FSD being better at driving your Tesla than you are.
1/30/2026, 5:38:56 PM
by: FlyingBears
Lemonade purchased Metromile and significantly increased prices. 2.5x if I recall correctly. This has forced me to move to Geico. Now, since prices have increased and new self driving car insurance is giving a discount, are you effectively paying same old rate?
1/30/2026, 8:00:02 PM
by: rebelde
99/month is more than I have been willing to pay for FSD, but if it lowers my insurance by 200/month, I could be convinced.
1/30/2026, 6:12:07 PM
by: t1234s
What happens if you have FSD turned off and like to drive fast on public roads. Will they see this telemetry and raise your rates?
1/30/2026, 5:41:08 PM
by: kittikitti
I have Lemonade for my home insurance. It's been reliable for several years and the customer service is great. I don't have a self-driving car but I wouldn't hesitate to sign up. Their rates are very affordable.
1/30/2026, 8:27:07 PM
by: drnick1
> automatically tracking FSD miles versus manual miles through direct Tesla integration.<p>No thanks. I unplugged the cellular modem in my car precisely because I can't stand the idea that the manufacturer/dealer/insurance company or other unauthorized third parties could have access to my location and driving habits.<p>I also generally avoid dealers like the plague and only trust the kind of shops where the guy who answers the phone is the guy doing the work.
1/30/2026, 7:50:48 PM
by: FrankWilhoit
One's first thought is that they ought to be running away from underwriting this as fast as they can go. But then one realizes that it is all profit -- they need never pay a claim, because in accidents involving autonomous vehicles, it will never be possible to establish fault; and then one sees that the primary purpose of most automations is to obscure responsibility.
1/30/2026, 4:18:12 PM
by: dmitrygr
Fleet API gives location data, no? I bet this discount will be paid for by this location data
1/30/2026, 8:08:25 PM
by: xnx
Marketing stunt
1/30/2026, 5:43:26 PM
by: theturtle
[dead]
1/30/2026, 5:42:52 PM
by: cs702
TL;DR: 50% insurance discount for Tesla vehicles driven by Tesla FSD.<p>On the surface, this looks like an endorsement of Tesla's claims about FSD safety.
1/30/2026, 8:07:26 PM