Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jun 28, 2021

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  • Each Tesla model is equipped with advanced telematics systems
  • Telematics can be used to track specific behaviors and improve safety ratings for the car
  • Because of the cost of repairs, Tesla telematics does not equate to lower rates

If you are considering buying Tesla and Tesla insurance, you need to understand Tesla telematics.

Keep reading to learn more about Tesla telematics and whether Tesla’s telematics can help you get more affordable car insurance.

Do you already understand Tesla telematics and want to shop for car insurance? Enter your ZIP code above, and we will help you find a rate that fits your budget.

What are Tesla telematics?

Telematics refers to systems built into cars that track a whole host of data, from how fast a car is going to how far it’s traveled.

While car telematics is not new technology, Tesla computer science is interested in gathering far more data than other smart cars. In addition, Tesla analytics uses this technology in far more advanced ways than other car insurance companies.

For example, Tesla gathers this information to help them improve safety features, particularly in regards to developing their auto-pilot feature. This data can also help to see if car crashes involving Teslas are the driver’s fault, the fault of outside sources, or internal issues.

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Will Tesla telematics lower Tesla insurance rates?

Unfortunately, the answer to that is no. Tesla telematics car insurance rates remain steady despite the advances in Tesla safety features. There are two reasons for this.

The first reason is that while safety features can help save lives, they do not actually save car insurance companies money. Thus, most providers do not provide more than a 10% discount for safety features on a vehicle.

This means that Tesla telematics car insurance quotes will be completely unaffected despite the veritable smorgasbord of safety features built into the cars. It can help to compare car insurance companies and their quotes before buying to ensure you get the best rates possible.

Telematics will also not lower your car insurance rates because Tesla cars are expensive in general. Like any luxury vehicle, Teslas cost a lot to insure and a lot to repair in the event of an accident. Because of this, car insurance companies charge Tesla owners more for their coverage on average.

Luckily, there may be some relief in sight. Tesla car insurance is now being offered directly through Tesla. The Tesla telematics car insurance company is only providing coverage to California residents so far. However, if the venture is successful, this coverage could expand in the future.

In the end, if you are in the market for affordable Tesla telematics insurance, you cannot expect much, if any, discount based on the telematics alone.

Ready to compare now before you buy Tesla telematics car insurance? Enter your ZIP code below to get free affordable car insurance quotes from companies in your area.