I asked grok how this actually works:
Lemonade determines miles driven with Tesla's Full Self-Driving (FSD) engaged through a direct technical collaboration with Tesla. This gives Lemonade access to the vehicle's onboard telemetry and sensor data, allowing it to accurately distinguish between autonomous (FSD-engaged) miles and human-driven miles.
### How It Works
- Verification Process: Customers connect their Tesla vehicle data to Lemonade during enrollment (via the Lemonade app or at https://t.co/cC6gHsWOM8). This integration pulls precise, regulator-grade data directly from the Tesla onboard computerโno self-reporting or plug-in devices needed.
- Discount Application: Lemonade offers pay-per-mile car insurance. Rates for FSD-engaged miles are cut by approximately 50%, based on data showing significantly lower accident risk during autonomous operation. The discount applies dynamically to your premium based on actual verified usage.
- Eligibility and Availability: Currently available for Tesla owners in Arizona (starting January 26, 2026) and Oregon (starting February 26, 2026). It supports mixed use (some FSD, some manual) and even households with non-Tesla vehicles.