Tesla Property & Casualty filed to update its Private Passenger Auto program in Florida, with a proposed effective date of December 9–10, 2025. The company has not yet launched in the state since its initial 2022 filing.

The filing aligns Tesla’s rating algorithm and product design with its programs in other states, introducing a Full Self-Driving (FSD) discount to replace the prior Autopilot discount and removing high liability limits. The overall rate impact is neutral, achieved through a base rate offset.

Tesla’s pricing model uses a Safety Score 2.2 that adjusts monthly based on driving behavior and mileage, with potential premium changes of up to ±50% per vehicle. The program also offers a group rate for Tesla employees and operates exclusively on a monthly payment plan with no installment fees.

Tesla currently offers auto insurance in 12 states through its own carriers and partner programs.

As a side note, General Motors Insurance, underwritten by GM National Insurance Company, entered the Florida market effective August 1, 2025. Kin Insurance, which until now has focused on home insurance, is slated to launch its auto product in Florida in November.