Ohio Tesla Owners Get Lemonade’s 50% FSD Mile Discount

Lemonade has brought its Tesla FSD insurance discount to Ohio, giving eligible owners 50% off miles driven with Full Self-Driving (Supervised) and a separate 30% discount for older cars running FSD v14 Lite.

The company announced the Ohio launch on November 9, expanding a program that began in Arizona earlier this year. It also builds on last month’s addition of Hardware 3 Teslas, which had initially been excluded.

What Ohio Tesla owners can save

The percentage applies to the charge for eligible FSD miles, rather than the entire insurance bill. Lemonade’s pay-per-mile policy combines a base rate with mileage charges, so the final savings depend on how far you drive and how much of that driving uses FSD.

For example, driving half your miles with the 50% discount would reduce the mileage portion by 25% compared with driving all those miles manually, assuming the same regular per-mile rate. The base charge would still remain.

Lemonade lists these hardware and software requirements:

• 50% off FSD miles: Hardware 4 Teslas running FSD v14 or newer, with firmware 2025.44.25.5 or later.
• 30% off FSD Lite miles: 2019 and newer Hardware 3 Teslas running FSD v14 Lite or newer, with firmware 2026.20.6.11 or later.

With the owner’s permission, Lemonade connects directly to the Tesla to distinguish FSD use from manual driving. There is no minimum FSD usage requirement, and existing Lemonade customers receive the discount at policy renewal. The company says using the discount does not change coverage or the claims process.

Ohio’s launch includes both discount levels. Drivers can check the current eligibility details before requesting a quote, then compare the total cost, deductibles and coverage with their existing policy.

Despite Lemonade’s “Autonomous Car” branding, Tesla says FSD remains a driver-assistance system requiring active supervision. The insurance discount does not make the car driverless.

Would a lower rate on FSD miles persuade you to switch insurers, or would the total quote decide it?