Lemonade Autonomous Car Insurance (With Tesla FSD Discount)
by KellyCriterion on 1/30/2026, 3:50:15 PM
https://www.lemonade.com/car/explained/self-driving-car-insurance/
Comments
by: jasoncartwright
If it autonomous or self-driving then why is the person in the car paying for the insurance? Surely if it's Tesla making the decisions, they need the insurance?
1/30/2026, 5:31:04 PM
by: sabareesh
Tesla have their own Insurance product which is already very competitive compared to other providers. Not sure if lemonade can beat them . Tesla's insurance product has similar objective in place already where it rewards self driving over manual driving.
1/30/2026, 5:27:05 PM
by: cebert
I own a Model Y with hardware version 4. FSD prevented my from getting in an accident with a drunk driver. It reacted much faster to the situation than I could have. Ever since, I’m sold that in a lot of circumstances, machines can drive better than humans.
1/30/2026, 5:33:11 PM
by: t1234s
What happens if you have FSD turned off and like to drive fast on public roads. Will they see this telemetry and raise your rates?
1/30/2026, 5:41:08 PM
by: 1970-01-01
A 50% discount is pretty damning empirical evidence for FSD being better at driving your Tesla than you are.
1/30/2026, 5:38:56 PM
by: rebelde
99/month is more than I have been willing to pay for FSD, but if it lowers my insurance by 200/month, I could be convinced.
1/30/2026, 6:12:07 PM
by: FrankWilhoit
One's first thought is that they ought to be running away from underwriting this as fast as they can go. But then one realizes that it is all profit -- they need never pay a claim, because in accidents involving autonomous vehicles, it will never be possible to establish fault; and then one sees that the primary purpose of most automations is to obscure responsibility.
1/30/2026, 4:18:12 PM
by: xnx
Marketing stunt
1/30/2026, 5:43:26 PM
by: theturtle
[dead]
1/30/2026, 5:42:52 PM