Tesla Property & Casualty, Inc. has filed a new private passenger auto insurance program in Indiana, clearing the way for a March 1, 2026 launch.

According to the filing, mileage is self-reported only when sufficient historical data is unavailable, such as for new business or non-Tesla vehicles. For Tesla vehicles, odometer readings are automatically captured through monthly vehicle data, which are then incorporated into ongoing premium calculations.

Tesla also added a standalone Safety Program Rule during the review process. The rating algorithm incorporates a safety model factor that can adjust premiums monthly based on driving behavior, with changes capped at 50% at the vehicle level to limit volatility.

Tesla Insurance is currently available in Arizona, California, Colorado, Florida, Illinois, Maryland, Minnesota, Nevada, Ohio, Oregon, Texas, Utah, and Virginia.