Tesla’s FSD Insurance Benefit Reaches Florida and Maryland Renewals Today

Tesla drivers in Florida and Maryland have a new reason to put FSD (Supervised) to work.

Existing Tesla Insurance customers in both states begin moving to Safety Score version 3.0 at renewals effective today, July 12. The formula gives every mile driven with FSD engaged a score of 100.

The Safety Score path became available for new Florida and Maryland policies on April 28. Existing customers reach it when their own policy renews, so the change rolls in one renewal at a time.

FSD Supervised is magic 🪄 https://t.co/YoL7meOUed

— Tesla (@Tesla) July 11, 2026

For eligible owners, that software use now carries a measurable insurance benefit.

The schedule published by Tesla Support sets July 12 as the renewal date that brings the Safety Score with FSD benefit to existing Florida and Maryland policies.

In Florida, policies effective from December 17, 2025 through July 11, 2026 remained under the earlier direct FSD discount until renewal. Renewals effective today or later move into the version 3.0 system.

Maryland follows the same July 12 trigger for existing customers. New policyholders in both states became eligible for the Safety Score version on April 28.

The change will not hit every policy at once. Each customer’s renewal date controls when the new calculation starts, and Tesla points owners to their policy documents for that date.

Tesla calculates the benefit from the percentage of total miles driven with FSD engaged during the previous 30 days. A customer must drive at least five miles during that window and have FSD purchased or subscribed when the next premium is calculated.

The older direct FSD discount could reduce certain coverages by as much as 10%. Safety Score version 3.0 blends FSD miles with the driver’s manual score instead of promising one fixed percentage for every policy.

The Tesla Safety Score formula gives FSD miles a score of 100. Miles driven manually carry the score produced by the owner’s braking, turning, following distance, speed and other measured factors.

Tesla says version 3.0 was built from statistical modeling of more than 26.5 billion miles of fleet data. Manual-driving factors are measured on miles driven without FSD engaged, so the final blend reflects both FSD usage and the owner’s driving outside it.

Some safety events still count while the system is in use. Forced FSD disengagement and late-night driving can affect the score, and FSD remains a supervised feature that requires the driver’s attention.

Owners need Tesla app version 4.55.5 or later for Safety Score version 3.0. The app shows the current score, trip information and the estimated premium for the following month.

The broader Tesla Insurance program uses data already produced by the vehicle, with no extra monitoring device to install. Policy management, driving feedback and the monthly score all live inside the same app owners already use for the car.

For an FSD subscriber, the software can now deliver value in two places. It can handle part of the drive, and those miles enter the insurance calculation at the highest possible score.

The exact dollar result will still vary by policy and by the rest of the owner’s rating factors. Tesla does not promise that every Florida or Maryland renewal will fall by the same amount.

July 12 is still a meaningful date for owners in those states. When their renewal arrives, FSD usage becomes part of the insurance math in a much more direct way.

Florida and Maryland are the latest states where Tesla is tying the insurance score directly to how much of the driving FSD handles.

Florida and Maryland customers can check the Safety Score section of the Tesla app and their policy documents to see when the new benefit reaches their own renewal.