Recently, there has been an interesting development—Lemonade, a digital insurance company, officially launched the world's first autonomous driving dedicated insurance product on January 21, 2026. What's the core selling point? For Tesla owners, as long as they enable the FSD (Full Self-Driving) feature, the premium per mile can be halved.

The underlying logic of this policy is that Lemonade has obtained a large amount of vehicle telematics data through deep data collaboration with Tesla. The data shows an interesting phenomenon: the accident rate when FSD is enabled is significantly lower than that of human drivers. Since the risk is lower, the insurance premium can be correspondingly cheaper—this pricing logic actually aligns well with traditional insurance risk management principles.

Of course, this product is not for everyone; it is limited to Tesla owners who must enable the FSD feature (basic Autopilot does not count). Industry insiders speculate that if other insurance companies can also obtain similar data permissions in the future, they are likely to adjust their prices accordingly. This move to some extent signals a new direction for the insurance industry—data-driven personalized pricing may become mainstream.