Tesla Insurance

Coming from the idea that “Your new car is not 100% yours“

Tesla offers insurance based on telemetry data, enabling them to make discounts based on miles, driving patterns and other data extracted from the vehicle.

Where?

• 2019 = California (Real-Time Insurance based on Safety Score is not available in California).
• 2021 = Texas, Illinois.
• 2022 = Arizona, Ohio, Colorado, Oregon, Virginia, Nevada, Maryland, Utah, Minnesota

Some data they log

• Location & Navigation: GPS location (precise and coarse), speed, heading, odometer, route line, destination.
• Vehicle Status: State of Charge (SoC), estimated battery range, ambient temperature, car’s ‘waking’ or ‘sleeping’ status, software version.
• Driving Dynamics: Accelerator/brake pedal position, steering angle, vehicle speed, component signals (used for diagnostics and safety analysis).
• Cabin/Climates: Interior temperature, outside temperature, climate control settings (on/off, target temp).
• Charging Details: Charging status (connected/disconnected), charge rate (kW), charge limit, charging location (Supercharger/home).
• Energy Product: Energy flow history, energy consumption/generation (for Powerwall/Solar Roof owners), tariff rates, site status.
• Diagnostics & Health: Logs of component signals, error codes, battery degradation metrics.
• Safety Events: Data logs and, upon owner consent, anonymous video clips linked to near-crash events, hard braking/turning, or airbag deployment.
• Remote Commands: Commands to lock/unlock doors, open trunk/frunk, start/stop charging, flash lights, honk horn, enable remote start.

Update 24/October/2025

I was wrong, Lemonade (Insurance company), is using the API to track data and enable more competitive prices without increasing the risk profiles of their car insurance.

Lemonade integrates with Tesla vehicles