If you've had a Tesla for a few years then you probably remember what it was like getting an insurance quote for the vehicle.
Experiences vary, but it was not uncommon to come across insurers who would not insure a Tesla or who asked for an extremely high premium.
In fact, the problem was so big that Tesla decided to do something about it. They released their own car insurance division.
Tesla launched Tesla Insurance in 2019. Unfortunately, it was only offered in California at the time. Car insurance laws vary by state so Tesla needs to be approved in each state they want to do business in.
Tesla only expanded beyond California in the second half of 2021. In October Tesla expanded to Texas and last month Tesla added on Illinois.
Tesla is now expanding even further. As of today, Tesla is now offering car insurance in Arizona and Ohio as well.
In a tweet last year, Elon talked about the slow regulatory process for offering car insurance and mentioned that Tesla was looking to offer insurance in New York as well.
The regulatory process for approval to offer insurance is extremely slow & complex, varying considerably by state. Tesla is hoping to offer real-time (based on actual driving history) insurance in Texas next month. Probably next year before we get approval in New York.
-Elon Musk
Tesla determines your car insurance rate using their Safety Score algorithm, which is similar to Progressive's Snapshot rewards. Once you approve Tesla to collect driving data, they'll monitor your vehicle for harsh stops, fast turning, and following too closely.
Tesla has changed how they advertise and sell Full Self-Driving on their website. Although the text changes are small, this change could have greater implications in the future.
Previously, customers were offered the option to purchase “Full Self-Driving Capability,” with text saying that FSD will “continuously improve”. This specific text is no longer offered, and instead, customers can now only purchase “Full Self Driving (Supervised),” which no longer mentions continuous improvement.
You can view the old text on the Web Archive page (photo below) for the Model Y. This change comes right before the upcoming Robotaxi event, so we’re not quite sure what to make of it. Let’s look at what else has changed on Tesla’s website on FSD before we dive into the wording changes.
This news comes hot on the heels that Tesla recently pulled its blog pages for Elon Musk’s Masterplan Part II, which mentioned that all future Tesla vehicles would be Robotaxi capable. However, this has since turned out to be part of regular website trimming and maintenance. However, this FSD change is more intentional.
The previous FSD option you could buy from Tesla (left), and the new one (right)
Not a Tesla App
Definition Changes
These text changes are pretty broad, but that’s not all. There are a few other items that changed, including the removal of the following text:
The activation and use of these features are dependent on achieving reliability far in excess of human drivers as demonstrated by billions of miles of experience, as well as regulatory approval, which may take longer in some jurisdictions. As these self-driving features evolve, your car will be continuously upgraded through over-the-air software updates.
This has now been changed to say:
The activation and use of these features are dependent on development and regulatory approval, which may take longer in some jurisdictions.
That’s a pretty big difference overall, so let’s dig in.
Can Only Buy FSD (Supervised)
Tesla is now only offering the purchase of “Full Self-Driving (Supervised)”, instead of “Full Self-Driving Capability." This has a bit of an implication for the many people who have paid for FSD in the past, expecting their vehicles to become fully autonomous, without supervision being required. With the specific terms on Tesla’s website today, that promise doesn’t seem to be in place for future sales of Full Self-Driving.
Instead, future customers should expect that they may only receive Full Self-Driving (Supervised), which will always require some form of supervision. Tesla no longer states full autonomy on this page, but on the other hand, the Autopilot/FSD Support Page still contains the text for full autonomy.
This seems to be a legal wording change to prevent Tesla from making promises it may not be able to fulfill. On the other hand, Tesla has recently had a fantastic spate of updates this year, with the huge upgrade from FSD V11 to FSD V12. However, they’ve more recently had more trouble with moving on from FSD V12.3.6, which is what most vehicles are still on today. Tesla initially pushed FSD V12.4 and its subversions to early access testers but quickly halted that push. They moved on to FSD V12.5, and V12.5.3 with Actually Smart Summon will begin going out wide sometime next week, to both Hardware 3 and AI4 vehicles.
What Does This Mean for Customers?
For future customers, this likely means that Tesla is intending on only offering Full Self Driving (Supervised), rather than Full Self Driving. This could mean that Tesla will launch a new package for Full Self Driving (Unsupervised) for commercial entities or that it could only be available for Robotaxi vehicles.
For older customers – those who have purchased “Full Self-Driving Capability”, as the feature was previously called, we’re not quite sure whether Tesla will include you in this new ‘Supervised’ description, or if you’ll be offered Full Self-Driving (Unsupervised) when that ultimately becomes available. As for subscribers, Tesla can change their offerings at any point since you’re only paying for what’s available for that month.
Today, we’re not quite sure what to make of this change, especially since that same change hasn’t been reciprocated elsewhere on Tesla’s website. The changes could be anywhere from a protective legal change, to Tesla offering a new FSD (Unsupervised) package in the future, or fully autonomous FSD being something that Tesla will not commit a date or price to.
In Tesla’s upcoming update, 2024.32.3, Tesla has added hands-free support for opening the vehicle’s frunk. This follows the Spring Update (2024.14), which added Hands-Free Trunk support for certain vehicles.
When hands-free trunk support was added earlier this year, it was supported on vehicles that include an ultra wideband chip, which includes the refresh Model S, new Model X, and the 2024 Model 3. Due to the hardware requirement, these will be the same vehicles that support the new Hands-Free Frunk feature. Legacy vehicles without UWB will unfortunately not support either feature due to the hardware requirement. UWB enables far more accurate tracking of the phone key, allowing Tesla to pinpoint its exact location relative to the vehicle.
The Cybertruck interestingly also includes an ultra wideband chip, however, it didn’t include the automatic opening of the gate earlier this year. However, we expect the Cybertruck to also receive the hands-free frunk opening in this 2024.32.3 update or relatively soon afterward.
Update: The Cybertruck is receiving hands-free frunk support in the 2024.32 update as well.
Hands-Free Frunk
The Hands-Free Frunk works similarly to the trunk feature – with an iPhone 11+ and a recent version of the app, you’ll be able to stand in front of your vehicle, and the Frunk will unlatch after sounding a chime. On some vehicles, the frunk will immediately open after being unlatched, however, you’ll need to manually close it.
This new feature isn’t enabled by default – you’ll need to go to Settings > Locks > Hands-Free Frunk to enable it.
At this time, Tesla doesn’t support UWB on Android devices, though both the Hands-Free Trunk and Hands-Free Frunk support will come to Android users in a future app update, according to Tesla.
Exclude Home
With the addition of the hands-free frunk opening, Tesla has also added a new option. You can now choose to disable the automatic opening when your vehicle is located at home to prevent you from accidentally opening. This will apply to the automatic frunk and trunk. In addition, in the Model X, you’ll also be able to disable the self-presenting doors at home. This is a great addition as many people have kept the hands-free feature disabled due to it awkwardly opening in the garage.
In the 2024.32.3 update, Tesla also mentions that they’ve improved the detection of the phone key, which should make the feature more reliable and faster when approaching the vehicle from the front or rear.
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