{"id":1223,"date":"2026-01-29T15:13:53","date_gmt":"2026-01-29T15:13:53","guid":{"rendered":"https:\/\/www.insuranceautotop.org\/?p=1223"},"modified":"2026-01-29T15:13:54","modified_gmt":"2026-01-29T15:13:54","slug":"how-supervised-self-driving-finally-lowered-rates","status":"publish","type":"post","link":"https:\/\/www.autosave.help\/?p=1223","title":{"rendered":"How \u201cSupervised Self-Driving\u201d Finally Lowered Rates"},"content":{"rendered":"\n<p>For years, Full Self-Driving (FSD) was a premium luxury. In 2026, it\u2019s officially a\u00a0<strong>premium reducer<\/strong>. Data from the 2025 safety reports proved that &#8220;Supervised FSD&#8221;\u2014where the AI drives but a human remains alert\u2014results in significantly fewer &#8220;rear-end&#8221; and &#8220;intersection&#8221; collisions than manual driving alone.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"792\" src=\"https:\/\/www.insuranceautotop.org\/wp-content\/uploads\/2026\/01\/10.webp\" alt=\"\" class=\"wp-image-1224\"\/><\/figure>\n\n\n\n<p><strong>The 2026 Lemonade vs. Tesla Battle:<\/strong>&nbsp;A massive shift occurred in January 2026 when&nbsp;<strong>Lemonade Insurance<\/strong>&nbsp;launched its &#8220;Autonomous Discount,&#8221; rivaling Tesla\u2019s own in-house insurance.<\/p>\n\n\n\n<ul>\n<li><strong>The 50% Rule:<\/strong>\u00a0Lemonade now offers up to a\u00a0<strong>50% discount on per-mile rates<\/strong>\u00a0specifically for the miles driven while FSD is engaged. They are betting that the software is 5x safer than the average human driver in stop-and-go traffic.<\/li>\n\n\n\n<li><strong>The Tesla 10% Floor:<\/strong>\u00a0Tesla Insurance continues to offer a discount (up to 10% on total premium) if you drive with FSD engaged more than 50% of the time.<\/li>\n\n\n\n<li><strong>The &#8220;Safety Score&#8221; Synergy:<\/strong>\u00a0In 2026, miles driven on FSD are often &#8220;shielded.&#8221; If the AI makes a mistake, it usually doesn&#8217;t ding your personal Safety Score as heavily as a manual error would, as long as you intervened appropriately.<\/li>\n<\/ul>\n\n\n\n<p><strong>The Catch:<\/strong>&nbsp;To get these 2026 discounts, you must grant the insurer&nbsp;<strong>second-by-second telemetry access<\/strong>. If you want the savings, you have to be okay with the insurer &#8220;watching&#8221; every turn the AI makes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>For years, Full Self-Driving (FSD) was a premium luxury. In 2026, it\u2019s officially a\u00a0premium reducer. Data from the 2025 safety reports proved that &#8220;Supervised FSD&#8221;\u2014where the AI drives but a human remains alert\u2014results in significantly fewer &#8220;rear-end&#8221; and &#8220;intersection&#8221; collisions than manual driving alone. The 2026 Lemonade vs. Tesla Battle:&nbsp;A massive shift occurred in January [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1224,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"_links":{"self":[{"href":"https:\/\/www.autosave.help\/index.php?rest_route=\/wp\/v2\/posts\/1223"}],"collection":[{"href":"https:\/\/www.autosave.help\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.autosave.help\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.autosave.help\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.autosave.help\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1223"}],"version-history":[{"count":1,"href":"https:\/\/www.autosave.help\/index.php?rest_route=\/wp\/v2\/posts\/1223\/revisions"}],"predecessor-version":[{"id":1225,"href":"https:\/\/www.autosave.help\/index.php?rest_route=\/wp\/v2\/posts\/1223\/revisions\/1225"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.autosave.help\/index.php?rest_route=\/wp\/v2\/media\/1224"}],"wp:attachment":[{"href":"https:\/\/www.autosave.help\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1223"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.autosave.help\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1223"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.autosave.help\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}