Tesla has filed to introduce its in-house auto insurance program in Indiana, signalling a continued expansion of its telematics-based coverage after more than three years without entering new U.S. markets.
The filing, submitted by Tesla Property & Casualty, outlines a private-passenger auto insurance program tailored to Tesla vehicles, with a proposed effective date of March 1, 2026, according to documents first reported by insurance industry publication Coverager. The submission describes a “full private-passenger auto program” that would rely on vehicle data to help determine pricing.
See also: Tesla Adds Long-Range Budget Model Y Variant in Europe, Boosting Range to 657 km
If approved, Indiana would be among the next states to gain access to Tesla Insurance, potentially alongside Tennessee, where the company has also recently submitted a similar filing with the same proposed start date. Tesla this month launched its insurance product in Florida, ending a pause in geographic expansion that had lasted since 2022.
According to the Indiana filing, Tesla plans to apply its telematics-driven pricing model, including a discount linked to the use of its Full Self-Driving (Supervised) driver-assistance system. Under the proposed structure, Tesla would measure how much of a customer’s monthly mileage is driven with the system enabled and calculate a discount that is updated each month and applied to the policy.
See also: Tesla Q4 Deliveries Fall 15% to 418,227, Marking Second Straight Annual Decline
The discount would be layered on top of Tesla’s Safety Score framework, which evaluates driving behaviour such as hard braking, aggressive turning, speeding, following distance and overall mileage. These metrics are recalculated every 30 days, allowing insurance premiums to increase or decrease based on recent driving patterns rather than fixed demographic assumptions.
Tesla’s approach differs by state due to regulatory constraints. In California, where Tesla Insurance also operates, insurers are prohibited from using real-time telematics or driving behaviour to set rates, limiting the company’s ability to apply its standard pricing model.
See also: Tesla Reports Record Expansion of Global Supercharger Network in 2025
The Indiana and Tennessee filings follow Tesla’s recent entry into Florida, which became its 13th insurance market and its first new state in more than three years. Tesla Insurance is currently offered in states including Virginia, Arizona, California, Colorado, Florida, Illinois, Maryland, Minnesota, Nevada, Ohio, Oregon, Texas and Utah.