US insurer Lemonade touts 50% discount on Tesla FSD
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Lemonade now offers drivers who use Tesla’s full self-driving feature a 50% discount on insurance. Tesla and Lemonade entered a deal to allow the insurer access to real-time vehicle data in order to price risk accurately. Shai Wininger, the co-founder of Lemonade, explained that a car with 360-degree cameras that never gets tired cannot be compared to a human driver, and so by connecting directly to the Tesla onboard computer, Lemonade can gain access to nuanced data and create a “tech stack” for insurance, allowing for a level of accuracy that traditional companies cannot match. Lemonade offers discounts on insurance based off Tesla’s data Lemonade has launched an autonomous car insurance initiative in partnership with Tesla. The partnership allows Lemonade to access vehicle data that goes directly into its risk models and tells the difference between human and computer driving. According to the press release by the insurer, the system can see which version of the full self-driving (FSD) software is installed in the car. It can also measure the accuracy of the car’s sensors. Lemonade based its policy on data that it claims shows that cars are much safer when FSD is turned on. So, it will cut the insurance price for those miles traveled with the FSD feature enabled by about 50%. If Tesla releases a new software update that makes the car even safer, Lemonade plans to lower the rates even further. Lemonade is already active in states like California, Texas, and Illinois with its standard car insurance. The new autonomous product will start in Arizona on January 26, 2026. Oregon will follow one month later. Are there insurance policies on autonomous vehicles? According to Tesla’s Q3 2025 Vehicle Safety Report, vehicles using FSD technology have significantly lower accident rates compared to those driven solely by humans. …
Filed under: News - @ January 22, 2026 12:26 am