January 30, 2026
Insure-bot or insure-not?
Lemonade Autonomous Car Insurance (With Tesla FSD Discount)
Tesla drivers get 50% off robot miles—fans cheer, skeptics ask who pays for crashes
TLDR: Lemonade offers Tesla owners 50% off every mile driven with Full Self-Driving, tracked directly from the car. The crowd is split between praising robot safety and asking who pays—and who’s at fault—especially with Tesla selling its own insurance, making this a big test of accountability in the self-driving era.
Lemonade just dropped a headline-stealer: insurance that gives Tesla owners 50% off every mile driven with Full Self-Driving (FSD), tracked automatically via Tesla’s data—no gadgets, no manual logs. It’s live in Arizona, lands in Oregon on Feb 26, 2026, and you’ll need Tesla’s latest hardware and software. The pitch: FSD miles are safer, so they should cost less. Simple… right? The comments lit up faster than a dashboard alert. FrankWilhoit went full cynic, arguing automation is a responsibility smoke bomb, quipping that insurers “need never pay a claim.” jasoncartwright asked the question that launched a thousand memes: if the car drives, why is the human paying? Cue jokes about hitting a “Not Me” button after a crash and Spider‑Man pointing at Tesla and Lemonade. Meanwhile, sabareesh reminded everyone Tesla already sells insurance—so is this a discount duel or a data war? On Team Robo-Driver, cebert shared a goosebump story: FSD dodged a drunk driver, reacting faster than he could. And 1970-01-01 says the 50% discount itself is proof the bot’s better than you. Fans love the savings and the safety; skeptics fear black-box blame-shifting. Whether you’re clutching the wheel or letting the car do the work, the real drama is who takes the hit when things go wrong. Read more at Lemonade and Tesla FSD.
Key Points
- •Lemonade launched an autonomous car insurance product that discounts Tesla FSD miles by 50%.
- •Tracking of FSD versus manual miles is automated via Tesla’s Fleet API with customer permission, requiring no extra devices or self-reporting.
- •The product is available in Arizona and scheduled to launch in Oregon on February 26, 2026; eligibility requires Tesla Hardware 4.0+ and firmware 2025.44.25.5+.
- •Pricing treats manual miles normally and applies a 50% discount to FSD miles, citing Tesla-reported safety improvements (52% crash reduction, 14% highway, 63% non-highway).
- •Lemonade plans to expand to more states and other automakers (e.g., Ford, GM) and allows bundling with its other insurance products; no special endorsements are needed.