Tesla Telematics Review (2021)

The Tesla telematics module is built into Tesla vehicles. The Tesla telematics system records driving data, and when combined with Tesla Insurance, can save you up to 30 percent on your rates. Tesla vehicle telematics runs in the car even if you don't use it for car insurance discounts.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 27, 2021

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What You Should Know

  • Tesla’s insurance started in 2019.
  • Telematics is used in the insurance industry to collect data about driver habits.
  • Tesla Model 3 is one of the most popular Teslas in 2020.

The Tesla Telematics module is a built-in system that allows Tesla auto insurance and other Tesla Telematics services to collect data about Tesla driver habits. In this Tesla Telematics review, we’ll discuss Tesla’s company insurance, Tesla car models, and other Tesla car reviews.

Although there’s not a lot of information on Tesla telematics, you’ll learn the basics of telematics and how it works for their vehicles. Understanding auto insurance telematics programs will help you save.

If you want to insure your Tesla outside of Tesla Telematics or Tesla insurance, enter your ZIP code in the free comparison tool above.

What is Tesla Telematics?

Some Teslas are costly vehicles, and insuring them will require the highest coverage level. There are a few Teslas that are valued at $81,000 to $102,000. According to Clean Technica, Tesla launched its insurance program in 2019, which promises 30 percent less on Tesla auto insurance.

The Tesla telematics system is a module like the OnStar device in its vehicles. Tesla vehicle telematics can get information about your driving habits. Tesla’s autopilot data collection is also captured by built-in telematics and is reported to Tesla insurance. Telematics from Tesla or any company can help cut car insurance rates.

Tesla Insurance and Telematics Availability

Tesla telematics insurance is a real thing, but you won’t get it in every state. You also won’t be able to use the OBD port, though some Tesla owners have found a way to install an OBD port in their car.

Teslas are available worldwide, but you may not able to acquire their exclusive insurance outside of California. Ultimately, you may have to go with another auto insurance company to pay for your Tesla.

The table below displays average annual auto insurance rates by state.

Average Annual Auto Insurance Rates by State
StatesAverage Annual Auto Insurance Rate
West Virginia$1,025.78
Rhode Island$1,303.50
District of Columbia$1,330.73
New York$1,360.66
New Jersey$1,382.79
South Dakota$766.91
North Dakota$773.30
North Carolina$789.09
New Hampshire$818.75
New Mexico$937.59
South Carolina$973.10
U.S. Average$1,009.38
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How much does it cost to insure a Tesla? Since Teslas fall into the luxury car class, insurance rates may be higher than the averages listed above. Comparing quotes online is a good way to find insurance rates and coverage that fits your needs and budget.

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How does Tesla Telematics work?

Although Tesla doesn’t elaborate on their telematics system, we can explain how telematics work. Telematics allow you to share your driving behaviors with your car insurance company. According to Investopedia, Tesla telematics suppliers place these devices in Tesla vehicles to make it easier for drivers to connect to telematic services.

Telematics usually pair with a mobile app on your smartphone. Some companies will send you an On-Board Diagnostic device (OBD1/OBD2) to plug into the OBD1/OBD2 port. However, some companies have opted for Bluetooth devices like OnStar or beacons.

The following video further explains how telematics work.

One concern surrounding telematics is privacy. Tesla understands privacy concerns and reassures its customers that they don’t share personal information. You may be able to turn off Tesla telematics, but you might risk losing a discount. They exist to help you save money and prove that you’re a safe driver with good driving habits.

Tesla Telematics Installed: Tesla Model S and Model 3 Review

The Tesla Model S and Tesla Model 3 have telematics installed in them. However, Tesla is best known for its overall versatility. According to Kelley Blue Book, the 2019 Tesla Model 3 reviews show a vehicle that has near-perfect ratings. The 2019 Tesla Model 3 has a KBB Expert rating of 4.7 out of five stars, and its KBB Consumer rating is 4.8 out of five stars.

Let’s compare the Tesla Model 3 with the Tesla Model S to give you a better idea of how customers review this innovative vehicle.

Tesla Ratings and MSRP by Model
Tesla VehicleKBB Expert RatingKBB Consumer RatingMSRP
2019 Tesla Model 34.70$35,000
2019 Tesla Model S4.84.9$75,000
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Tesla Model 3 is a cheaper vehicle, while Tesla Model S is $40,000 more expensive. This means that it will also be more expensive to insure the Model S.

If you need Tesla information on your smartphone, download and install the Dashboard for Tesla mobile app from the Google Play Store and Apple App Store. Dashboard for Tesla has a 3.9-star rating in the Google Play Store and a 3.8-star rating in the Apple App Store.

Tesla telematics is built within the car. It makes it easy to monitor your driving habits, but it could be challenging if you want to link up to an OBD device. If you can somehow find a way to insert an OBD port to your Tesla vehicle, you can use any usage-based auto insurance.

If you need to insure a Tesla, get cheap quotes from our free comparison tool by entering your ZIP code below.

Frequently Asked Questions: Tesla Telematics

#1 – What is in the front of a Tesla?

The luggage storage is in front of a Tesla car, which they call a “frunk” (front trunk).

#2 – Do Teslas have a black box?

Yes. Teslas have an Event Data Recorder (EDR) known commonly as a black box.

#3 – How far can a Tesla go on one charge?

Tesla can go at least 335 miles on one charge.

#4 – Can you buy parts from Tesla?

Yes. As a consumer, you have the right to buy parts as you need them.

#5 – Is Tesla a reliable car?

Yes. Kelley Blue Book ratings show that the vehicle has exceeded expectations of its buyers.

#6 – Do Teslas really save you money?

Teslas can save you money on maintenance costs such as oil, fuel, and other common mechanical fixes.

#7 – Is Tesla the safest car in the world?

According to the National Highway Traffic Safety Administration (NHTSA), the Tesla Model 3 is the safest car ever tested.

#8 – Which is the best Tesla to buy?

The Tesla Model 3 is the cheapest and best-selling luxury vehicle in the United States.

#9 – What does Telematics mean in a car?

Telematics is a vehicle tracking system that is installed into a car to collect information on vehicle location, speed, idle time, hard braking, fuel use, and many other details to potentially help you save on car insurance.

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