What auto insurance providers do y'all use for your Tesla? State Farm seems to be the most cost effective vs Tesla's insurance and USAA based on the quotes I've received

I'm on State Farm, for grins I got a quote from Tesla and it made me spit out my coffee.

I use Tesla's insurance. USAA quoted $214. Tesla quoted $212 with a 90 safety score. They updated their safety score calculation to treat 100% of FSD miles at 100 and does a weighted average score with your own driving score based upon miles driven. With a 65 safety score for my personal driving from trying to rush my dog to the hospital it still came out to a 99 safety score and a $138 monthly premium. So around a 35% discount from what they initially quoted for a presumed 90 score.

99.6% of my driving is on FSD.

Nvm, misunderstood. Performance is definitely the right choice.


I'm on State Farm. My Model X Plaid vs my Tundra TRD Pro was negligible difference. But might try a quote from Tesla since I'm 95% FSD so far

Updated to Navigation Data NA 2026 .26 earlier today.

Edit. Waiting for FSD 14.3.7

hph6203 said:

---

I use Tesla's insurance. USAA quoted $214. Tesla quoted $212 with a 90 safety score. They updated their safety score calculation to treat 100% of FSD miles at 100 and does a weighted average score with your own driving score based upon miles driven. With a 65 safety score for my personal driving from trying to rush my dog to the hospital it still came out to a 99 safety score and a $138 monthly premium. So around a 35% discount from what they initially quoted for a presumed 90 score.

99.6% of my driving is on FSD.

---

Hmmm. I have USAA and it's ridiculous.

hph6203 said:

---

I use Tesla's insurance. USAA quoted $214. Tesla quoted $212 with a 90 safety score. They updated their safety score calculation to treat 100% of FSD miles at 100 and does a weighted average score with your own driving score based upon miles driven. With a 65 safety score for my personal driving from trying to rush my dog to the hospital it still came out to a 99 safety score and a $138 monthly premium. So around a 35% discount from what they initially quoted for a presumed 90 score.

99.6% of my driving is on FSD.

---

Crap! Not available in Georgia. (Yet)

Anyone use Tesla Electric as their energy provider? Evidently you get unlimited night charging for $15/mo. Any thoughts?

I use it, works great. Especially since I drive over 100 miles a day. The ultra cheap charging really adds up.

CyAg86 said:

---

Anyone use Tesla Electric as their energy provider? Evidently you get unlimited night charging for $15/mo. Any thoughts?

---

Wow. Not available for me. Boo.

Ok, I have an awesome FSD "win."

I was getting off an interstate and the light was red. I stopped behind two other cars. The light turned green and the two cars ahead of me went through the intersection. Tesla was going, too.

All of a sudden, the Testa slammed on the brakes. A black lady was on her phone and ran the red light, going about 45 miles per hour. I really don't think I would have seen that in time.

CyAg86 said:

---

Anyone use Tesla Electric as their energy provider? Evidently you get unlimited night charging for $15/mo. Any thoughts?

---

No. It's high. I change electric providers often and go in on the free nights plans. Delay Tesla charger to start when free night kicks in. Do the same with dryer, dishwasher, pool pump, etc.

Basically at 9pm it's like that scene on Christmas Vacation when the auxiliary nuclear switch is turned on.

GeorgiAg said:

---

Ok, I have an awesome FSD "win."

I was getting off an interstate and the light was red. I stopped behind two other cars. The light turned green and the two cars ahead of me went through the intersection. Tesla was going, too.

All of a sudden, the Testa slammed on the brakes. A black lady was on her phone and ran the red light, going about 45 miles per hour. I really don't think I would have seen that in time.

---

There's a good joke to tell here but I'm not going to make it.

I spent a couple hours yesterday researching buying a model Y by October after a buddy got one recently and said the FSD is a no brainer and the sales price and financing etc is all hard to beat.

It's incredible how smart google AI is. I first went to Carvana ready to order like my friend did and do a trade in and they totally lowballed my current vehichicle which is an Infiniti G37. They also quoted me much higher prices than Tesla direct which is what the AI assistant told me to do.

The AI assistant even recommended I post my vehicle for sale on a local forum like TexAgs and said be sure to adhere to "rule #1" or people will mock me and also even gave the format for posting a listing which is identical to the suggested TA forums protocols. It also suggested I take photos of my car somewhere scenic like Kyle Field in the background.

It then told me to go to Aggieland Credit Union for the finance side and that I should also see what the local CarMax will offer me and it spit out the address. This was all unprompted.

Highly looking forward to driving a new model Y soon. I'll post my Infiniti here and in Classifieds once ready as well if anybody is looking for a highly reliable vehicle at a low price. I've sold a car on TA before and my track record is solid there.

In a moment of total synchronicity, a past client of mine just text me asking if I know someone who can install a Tesla charger here in B/CS.

Anybody know the answer to this? I suppose I could just resume the chat with google AI.

Interesting. I looked to trade in my previous Tesla for this one with Tesla direct and they were the lowest by far with Carvana beating everyone else out, difference was $7K.

For what's worth the Carvana experience was super super easy.

CyAg86 said:

---

Anyone use Tesla Electric as their energy provider? Evidently you get unlimited night charging for $15/mo. Any thoughts?

---

I looked into it, and I think it's only a good value if you have low usage overall. It was going to be a lot more expensive that I originally thought based on my usage.

A friend is a retail electric provider/reseller and he reviewed the terms sheet.

johnnyblaze36 said:

---

In a moment of total synchronicity, a past client of mine just text me asking if I know someone who can install a Tesla charger here in B/CS.

Anybody know the answer to this? I suppose I could just resume the chat with google AI.

---

I just used Chris at Aegis Electric. Was recommended to me by another Tesla driver…

Test drove a model y premium today and I'm sold on it. Granted, not sure I should really say "drove" as it did all of the driving. Mind blown over FSD.

Just got this clip from a follower showing their @Tesla avoiding a collision recently on the highway while on FSD (Supervised) V14.

Here are all the angles. Self-Driving data at top: pic.twitter.com/pAIBBZZ1dc

— Sawyer Merritt (@SawyerMerritt) August 16, 2026

So i am in the market for a second Tesla as my dock car for work. I am heavily leaning towards a rebuilt title or lemon law buy back car simply due to how cheap they are. Lemon law cars still have factory warranty and paperwork showing what was addressed and rebuilt ones do not.

Has anyone gone that route? There is a massive market for these cars and I am sure it can be hit or miss, but I just want something for work. Most likely keep it 6+ years and it will be my kids first car as well. Looking at 23 model Y with hW 4 or newer.

Bigballin said:

---

Test drove a model y premium today and I'm sold on it. Granted, not sure I should really say "drove" as it did all of the driving. Mind blown over FSD.

---

referral code https://ts.la/eric59704

I have a 2022 LR Model 3. I finally updated my wife's car about 3 months ago to a LR Model Y. I love that car so much I'm trading in my Model 3 and picking up my Model Y performance at the end of the week.

Did I need a performance? NOPE. But damn it was the best test drive I've ever done.....LOL!

RoyVal said:

---

I have a 2022 LR Model 3. I finally updated my wife's car about 3 months ago to a LR Model Y. I love that car so much I'm trading in my Model 3 and picking up my Model Y performance at the end of the week.

Did I need a performance? NOPE. But damn it was the best test drive I've ever done.....LOL!

---

Performance is awesome, but gotta look out for speeding tix. I got pulled over once, but he let me go. My wife is scared to drive it with the acceleration at it's highest mode.

If I had to do it over again, I'd get the LR version. I don't need to "feel the need for speed" like Maveric and Goose. Way too fast!

Sea Speed said:

---

So i am in the market for a second Tesla as my dock car for work. I am heavily leaning towards a rebuilt title or lemon law buy back car simply due to how cheap they are. Lemon law cars still have factory warranty and paperwork showing what was addressed and rebuilt ones do not.

Has anyone gone that route? There is a massive market for these cars and I am sure it can be hit or miss, but I just want something for work. Most likely keep it 6+ years and it will be my kids first car as well. Looking at 23 model Y with hW 4 or newer.

---

Make sure that any rebuilt title cares can access super chargers. I've ready about folks that bought used from dealers and they were banned due to some previous accident.

Yes that's what I have asked everyone I have talked to about a car. I wouldn't buy one that hasn't had the Tesla inspection and most folks I have talked to have either already done it or will do it prior to purchase.

GeorgiAg said:

---

RoyVal said:

---

I have a 2022 LR Model 3. I finally updated my wife's car about 3 months ago to a LR Model Y. I love that car so much I'm trading in my Model 3 and picking up my Model Y performance at the end of the week.

Did I need a performance? NOPE. But damn it was the best test drive I've ever done.....LOL!

---

Performance is awesome, but gotta look out for speeding tix. I got pulled over once, but he let me go. My wife is scared to drive it with the acceleration at it's highest mode.

If I had to do it over again, I'd get the LR version. I don't need to "feel the need for speed" like Maveric and Goose. Way too fast!

---

yeah I keep telling myself I bought it for the better seats and suspension and 16 inch screen as well as the 21 inch tires....but we know why I bought it ha!

🔥🔥 Tesla will reportedly launch the Cybercab before the end of August, in less than 2 weeks!

According to The Information, Tesla plans to begin the rollout by offering Cybercab rides to employees on public roads, then add the vehicles to its Robotaxi service in Austin, Texas,… https://t.co/Na30EZJnE0 pic.twitter.com/HawIe6YCQt

— The Tesla Newswire (@TeslaNewswire) August 17, 2026

GeorgiAg said:

---

If I had to do it over again, I'd get the LR version. I don't need to "feel the need for speed" like Maveric and Goose. Way too fast!

---

If you had done that, you'd bee feeling the opposite. I'm kind of mad at myself for not getting the Plaid. The Performance Y is the way to go on that model

FIDO*98* said:

---

GeorgiAg said:

---

If I had to do it over again, I'd get the LR version. I don't need to "feel the need for speed" like Maveric and Goose. Way too fast!

---

If you had done that, you'd bee feeling the opposite. I'm kind of mad at myself for not getting the Plaid. The Performance Y is the way to go on that model

---

love to hear that! (not for you...sorry man LOL). I figured if I didn't go performance I'd have regret....

Yes, go fast. You won't miss a few dozen miles of range. You will miss feeling like you're getting shot off a carrier catapult whenever you mash the accelerator

GAC06 said:

---

Yes, go fast. You won't miss a few dozen miles of range. You will miss feeling like you're getting shot off a carrier catapult whenever you mash the accelerator

---

your local tire shop will also love you, putting on new tires every 6 months

07ag said:

---

GAC06 said:

---

Yes, go fast. You won't miss a few dozen miles of range. You will miss feeling like you're getting shot off a carrier catapult whenever you mash the accelerator

---

your local tire shop will also love you, putting on new tires every 6 months

---

Why rotate when you can replace?

Waiting on our model Y premium sitting at gigafactory in Austin… they've pushed the delivery dates back about 2 weeks. Def frustrating, but looking forward to the FSD for my 100 mile round trip commute everyday.

I commute 100 miles on I35 and I love FSD. Game Changer.