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Tesla Insurance coverage has formally expanded to a brand new U.S. state, its thirteenth since its launch in 2019.

Tesla has confirmed that its in-house Insurance coverage program has formally made its approach to Florida, simply two months after the corporate filed to replace its Personal Passenger Auto program within the state. It had tried to supply its insurance coverage program to drivers within the state again in 2022, however its launch didn’t occur.

As a substitute, Tesla refiled the paperwork again in mid-October, which primarily was the transfer towards initiating the providing this month.

BREAKING: Tesla Insurance coverage has simply formally launched in Florida.

That is the primary new state to obtain @Tesla Insurance coverage in additional than 3 years. In whole, Tesla insurance coverage is now accessible in 13 U.S. states (map in thread under of all of the states).

Tesla Insurance coverage in Florida makes use of… pic.twitter.com/bDwh1IV6gD

— Sawyer Merritt (@SawyerMerritt) December 17, 2025

Tesla’s in-house Insurance coverage program first launched again in late 2019, providing a brand new approach to insure the autos that was doubtlessly inexpensive and will alleviate loads of the problems individuals had with claims, as the corporate may assess and restore the harm itself.

It has expanded to new states since 2019however Florida presents a very attention-grabbing problem for Tesla, as the corporate’s entry into the state is especially noteworthy given its distinctive insurance coverage panorama, characterised by excessive premiums resulting from frequent pure disasters, dense visitors, and a no-fault system.

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Annual common premiums for Florida drivers hover round $4,000 per 12 months, nicely above the nationwide common. Tesla’s insurance coverage program may disrupt this, particularly for EV lovers. The state’s rising EV adoption, fueled by incentives and infrastructure growth, aligns completely with Tesla’s ecosystem.

Furthermore, there are extra methods to have vehicles repaired, and options like complete protection for battery harm and roadside help tailor-made to EVs tackle these widespread painpoints that house owners have.

Nonetheless, there are some challenges that also stay. Florida’s susceptibility to hurricanes raises questions on how Tesla will deal with claims throughout disasters.

Wanting forward, Tesla’s enlargement of its insurance coverage program alerts the corporate’s ambition to proceed vertically integrating its companies, together with protection of its autos. Lowering dependency on third-party insurers solely makes issues less complicated for the corporate’s automotive division, in addition to for its prospects.