Florida and Maryland Tesla Owners Can Now Lower Their Insurance by Using FSD

Tesla has officially expanded its newest insurance perk to two major markets: Florida and Maryland. As of April 28, 2026, owners in these states can now access the Safety Score v3.0 update, which guarantees a perfect score of 100 for every mile driven using Full Self-Driving (FSD) Supervised.

The Path to Lower Premiums

Previously, when Tesla launched Safety Score v3.0 earlier this month, the “FSD-mileage perk” was restricted to a small group of states like Texas and Illinois. Drivers in Florida and Maryland—two of the largest Tesla markets in the U.S.—were notably excluded from the version 3.0 benefits.

With this latest update, the “perfect 100” miles now act as a powerful buffer for Florida and Maryland policyholders. Because Tesla Insurance premiums are calculated based on your real-time Safety Score, letting the car handle the driving systematically pads your average score, directly leading to lower monthly insurance bills.

Why It Matters for Owners

This expansion is a significant move for drivers in high-premium regions. By weighting FSD miles as a perfect 100, Tesla is providing a clear financial incentive to use its advanced driver-assistance software. For many, the insurance savings alone could potentially offset the cost of the monthly FSD subscription.

Availability Update

The benefits of Safety Score v3.0, including the FSD perfect score, now apply to new policies in:

New: Florida and Maryland; joining Arizona, Illinois, Indiana, Tennessee, Texas, and Virginia

While Tesla Insurance is also available in California, state regulations still prevent the company from using real-time driving data to determine pricing. For everyone else in the newly added states, the update offers a direct way to reduce the total cost of owning a Tesla simply by utilizing the car’s autonomous capabilities.