Tesla’s Safety Score is used to help determine an owner’s insurance premiums under Tesla Insurance. It attempts to evaluate how safely the vehicle is driven by taking into account several metrics such as harsh braking, turning too fast, and speeding.
Tesla has continuously improved its Safety Score program by adding new metrics or improving existing ones. Tesla is notably transparent about the specific factors that contribute to your Safety Score and, by extension, how insurance premiums are calculated.
With the launch of Safety Score V2.2, Tesla has introduced updates to how Excessive Speeding is factored into your score and removed the controversial Forward Collision Warnings (FCW).
While excessive speeding has been part of the scoring system since March 2024, it has primarily contributed to Tesla’s internal calculations for premium generation. The latest version improves how Tesla determines speeding and its weight into the Safety Score.
Improved Excessive Speeding
The latest version of Safety Score now measures Excessive Speeding as a proportion of the time you spend driving over 85 mph, or when you’re speeding relative to the vehicles in front of you.
This could affect how your score is impacted while overtaking slower drivers—we’ll have to wait and see how this plays out for Tesla Insurance users, and whether rates will rise, fall, or stay steady in the coming months.
Forward Collision Warning
While Tesla didn’t call out changes to Forward Collision Warnings in its Safety Score v2.2 update, it appears that Tesla is no longer using FCWs as a metric in Safety Score, at least in some regions.
Tesla’s Forward Collision Warnings are a helpful feature in Tesla vehicles since they can alert drivers when a vehicle stops suddenly in front of them. However, they can sometimes have false positives, which isn’t a huge deal… unless they’re affecting your insurance premium. While FCWs have been included in Tesla’s Safety Score since its inception, it has often been a controversial metric due to false positives.
With the release of Safety Score v2.2, Tesla has now removed FCWs as part of the Safety Score, and drivers will no longer be penalized when a vehicle stops suddenly in front of them. However, Unsafe Following, an existing Safety Score metric that is defined as “proportion of following time spent at an unsafe following distance,” is still a part of Tesla’s Safety Score.
According to Tesla, this update is designed to offer a more accurate reflection of future collision risk, using insights from over 23 billion miles of real-world driving data. New Safety Scores will begin to reflect these changes as the update rolls out. However, any impact on premiums won’t take effect until next month—so your current premium is safe for now.
It’s worth noting that in California, Safety Score doesn’t affect your insurance rate at all. In those cases, Tesla includes it strictly for educational purposes. But in states where it does apply, it will directly influence what you pay.
Due to constant improvements involving real-world data and billions of miles, Tesla’s Safety Score is a unique and fairly accurate way of assessing safe driving. Unlike traditional insurers—some of which rely on basic smartphone acceleration data—Tesla is able to calculate your score based on nuanced, vehicle-level data and real-time driving conditions. While it isn’t perfect, it gives a clear edge in measuring how you actually drive.
We’re still hoping to see Tesla Insurance expand to more states. Progress has slowed recently, even after the company brought on a former GEICO executive whose main mission is to broaden the program’s reach.
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Tesla recently introduced Buy Now, Pay Later (BNPL) payment options in the United States and Canada for items in the Tesla Shop, letting owners pay later for new vehicle accessories.
However, with Tesla app update 4.46, they’re expanding support to a much more critical area — Tesla Service. Qualifying owners in the U.S. and Canada will now be able to use Pay Later options for service performed by Tesla, which includes maintenance or repairs.
Services are provided by Affirm and Klarna, as per Mark Fonte, a Senior Software Engineer working on the Tesla app.
The new feature is seamlessly integrated into the existing service workflow within the Tesla app.
On the Service Estimate, before work on the vehicle begins, you will see a new message on the estimate screen: Pay over time - see if you qualify.
Tapping this link opens the payment calculator, which allows you to view potential payment structures and monthly costs. This provides a clear picture of what a payment plan would look like before you commit to servicing your vehicle.
Additionally, after service is complete and you are ready to pay, the final payment screen will present Affirm and Klarna (region-dependent) as selectable payment methods, alongside the usual options of Tesla Credit or your primary payment card.
Tapping Affirm or Klarna here will reopen the payment calculator, and a confirmation prompt will appear before selecting either BNPL option.
Service Now, Pay Later
Overall, the integration of BNPL providers for service is a thoughtful one for vehicle owners. The terms can vary widely, so it’s important to compare them to other payment options you may have access to. The additional financial flexibility, when faced with a large repair bill, allows more owners to get their vehicle professionally and properly serviced by Tesla.
For those getting larger work done, such as high-voltage battery pack replacements, this is an excellent option to spread payments over a longer period, helping reduce the burden of vehicle repair.
With the launch of Tesla’s Robotaxi Network, we didn't just get a peek into the future of transportation—we got a detailed look at the next version of FSD.
Videos from early access riders revealed some additional capabilities over current public FSD builds, showing off how it handles emergency vehicles and more.
Safety First for First Responders
One of the biggest changes in FSD’s capabilities is its improved handling of emergency vehicles. During a ride in Austin, Robotaxi is seen identifying an approaching ambulance using a combination of visual and audio data, activating its turn signal, and smoothly pulling over to the side of the road to let the ambulance by (video below).
This is a driving task that requires more than simple awareness of laws. It requires reasoning skills to determine where to move the vehicle to create a safe path, as well as the ability to quickly identify an ambulance or another emergency service vehicle with its sirens and lights activated. Understanding the context and executing a safe and predictable maneuver is crucial, as a wrong maneuver could actually make matters worse.
For FSD and Robotaxi to gain both public trust and regulatory approval, this skill is non-negotiable, and Tesla demonstrated its advancements right here. It’s not surprising Tesla added this ability before Robotaxis made it to public roads.
How does a fleet of Robotaxis keep its eyes clean without constant human intervention? Well, a clever new feature that Tesla has previously hinted at in their FSD release notes provides the answer. Robotaxi can now trigger a specific wiper and washer fluid sequence designed to clean the main front-facing cameras.
This might seem like a small detail, but it’s a brilliant solution to one of Tesla’s primary challenges - maintaining sensor clarity. While the vehicle could simply wipe the windshield multiple times, this is a clever solution to clean the most important area of the windshield as thoroughly as possible by focusing extra wiper fluid and wipes on that area.
Complex Maneuvers
Two areas where current builds of FSD V13.2.9 sometimes show hesitation are U-turns and navigating busy parking lots. The latest Robotaxi build appears to improve on both of these areas.
This first video shows a Robotaxi performing a flawless U-turn with no hesitation, and then smoothly switching lanes to take a turn.
Another video on X shows FSD’s updated confidence in navigating a complex parking lot for a precise drop-off. Today’s builds can sometimes struggle in parking lots, being slow and overly cautious when not needed, or too confident elsewhere. This appears to have been improved in these Robotaxi FSD builds with improved path planning and confidence.
Tesla Robotaxi service is just so smooth. Handles parking lots very well, noticeably better than the competitors pic.twitter.com/D5OxSrajCW
We’re also likely to see FSD begin to handle more complex destination options, including parking garages and driveways, which have been promised features for almost a year. The Robotaxi FSD build has also gained the ability to safely pull over on a road, similar to the ambulance example above, but it uses this capability to drop off and pick up passengers. This is a feature that was mentioned in FSD v13.2’s Upcoming Improvements section.
Better Nighttime Performance
Driving at night presents additional challenges, including headlight glare and reduced visibility. The latest version of FSD appears to handle it with almost the same grace as it does during the day. Remember that Tesla’s Robotaxis are available up until midnight. Early access riders mentioned that FSD is far smoother and is a step up from the behavior of current FSD builds.
Impressive nighttime performance from Tesla Robotaxi, dropping us off at In-N-Out as smoothly as it did during the day. pic.twitter.com/yQOhphtR0q
Now, what happens when a passenger feels unsafe or has a critical question? Tesla has placed two key buttons on the rear screen for just those purposes. Users are given control over the ability to Call Support, which almost instantly connects them with a real human agent at Tesla’s Robotaxi Operations Center via video call.
Here’s what happens when you hit the support button in Tesla’s Robotaxi’s.
While it isn’t a fundamental driving feature, it does mean that Tesla’s team can provide support to Robotaxi vehicles remotely, like issuing directive commands to have a vehicle proceed straight, rather than attempting to turn through a gated community.
The other option, Pull Over, allows a rider to immediately request the vehicle to safely pull over, which it will do when it can find a safe and open location. At this point, you can either continue your trip or get out of the Robotaxi.
Both options prompt you with an “Are You Sure?” button before letting you continue, which means you won’t have your Robotaxi ride come to an abrupt stop if you tap the ‘Pull Over’ button by accident.
What This Means for Tesla Owners
These features are likely to be included in future FSD builds. This is essentially the new benchmark by which to judge FSD, at least once it begins rolling out to customer vehicles.
Many of the core driving improvements, such as the more confident maneuvering and emergency vehicle response, will make their way to the wider fleet in upcoming FSD updates.
Remember - Robotaxi isn’t just a service, it is also a preview of Tesla’s driverless FSD builds.
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