A Cybertruck Owner Claims Tesla is Punishing Him for Choosing to Drive His Truck Manually Instead of Relying On FSD – Adds, “I’m Getting Penalized For Enjoying Driving My Cybertruck”

Tesla has extensive data gathered from driving habits of the owners of its many vehicles, whether FSD is in use or not. Statistically it clearly indicates that manually driven vehicles are more frequently involved in accidents - thereby the higher insurance premium. I predict that the time will soon arrive when insurance premiums for manually driven vehicles will become unaffordable - especially for younger drivers.

It’s not uncommon for insurance companies to base their rates on statistics.
Tesla zone in-house study has shown that you are 10 times safer using auto pilot than human driving so sure you should get a discount for using it should be no argument there

I have State Farm and I get a discount for allowing a device to be in my car that measures my driving skill. I get lower rates because I don’t speed corner to abruptly slam on the brakes or text while driving.

It’s not only fair, it’s a great way to save money and stay safe at the same time.

No one stopping him from driving the truck himself all the time, and I’m sure the difference in payments is not that extreme

He’s not being punished for not using self driving, but rather he’s ignoring the rewards for driving under known and safer conditions.

This article is obviously a hit piece, but I’m glad it’s there because it lets consumer see the negative publicity campaigns that are aimed at Tesla, and particularly Elon Musk simply because he states what he truly believes, he’s a no BS kind of guy he’s all data and no noise.

So while you’re calling him “Hitler”, a “fascist” or writing hit pieces about his car, you’re having the opposite effect.

This is yet another reason to own the stock and to believe in Elon Musk because 10 years from now, no one’s gonna remember all this BS, but they sure are going to remember him most likely sitting on Mars, leading the world into innovation like we’ve never seen before.

As for the rest of you, you know what you can do.

So you didn’t publish my last comment thanks for verifying that you’re just a hack and this is a hit piece

It's probably not a penalty but not getting the discount for using FSD which is safer than a human driver. Additionally, it's likely that another insurance carrier will be more expensive than the discount given with Tesla Insurance when using FSD.

You should be punished for even owning a cyber truck

What's the difference?

Amazing how Tesla believes its software is better than a person. Until it’s proven 100%, they shouldn’t raise rates for people who prefer to drive their own vehicle.

Real title to the story. "Rich guy doesn't want to pay more to drive his Tesla." Is this really a story of just someone complaining.

Do you people even know what words mean? Ironically? No. You just said what Tesla penalizes people for and then you tell us that this guy does that and that he's being penalized. That's not irony.

You know that this is a crock as a Tesla "Truck" Owner doesn't know how to drive "manually" let alone off pavement. 😂

He bought a cybertruck. He can afford it.
If he can't afford it, good. People who bought those things are nazis. Let him suffer.

White people problems

Musk's obsession with self driving cars completely ignores the fact that many people LIKE to drive and don't want to be a passenger in their own vehicle.

Come on dude, you're no idiot, you know your choices. Man up.

OMG!! Apparently, driving a Tesla is like living under an HOA umbrella!! ALL of you get what you DESERVE what you get when you make this life choice!! Quit whining about it!!

Easy solution drive another brand of truck.

Elon Musk is probably correct in saying that accidents would be reduced under the full autonomous driving.

So ideally this should reflect in premiums.

I love driving and I completely understand what is being related.

They say that it's not the destination it's the journey so I completely understand this driver and his desire to be one with his Tesla truck. It's not always about going from point "A" to point "B".

The 10% reduction is there If you want to take advantage of it but If you love driving then you must be willing to pay the full rate and not enjoy the 10% discount.

It's the cost of driving yourself it may not be completely fair but it is on average.

If I were him I would stick with the Tesla insurance for the ease and convenience and pay the premium premium for his love of driving.

Keep the rubber side down and the stainless steel side up. Enjoy your truck be safe.

Elon Musk is probably correct that accidents would be reduced under full autonomous driving. Ideally, that should reflect in insurance premiums.

But I get it — driving isn’t always about going from point A to point B. For some of us, it’s the journey, the feeling of being connected to the machine. I completely understand why you’d want to drive your Cybertruck yourself.

Tesla offers a 10% reduction if you let the car do the driving. If you choose not to, then you’re not penalized — you’re just not receiving that reward. It’s the cost of loving the drive. On average, that seems fair.

If I were you, I’d stick with Tesla Insurance for the convenience, accept the higher rate, and enjoy the truck for what it is.

Keep the rubber side down and the stainless steel side up. Be safe and enjoy the ride.

He's all worried about 10%????

So Tesla sells us Full Self Driving but doesnt stand by their product. When you buy it, it should be guaranteed to work. If it doesnt and it crashes why isn't Tesla responsible? Why should I need any insurance on self driving cars? They're the ones advertising self driving and should be automatically responsible if it doesnt work correctly and crashes.

Viewing this as penalization ignores the very nature of usage-based insurance -- namely, premium is based on how the vehicle is driven. It has nothing to do with who the driver is or what their preferences are. You could just as easily state that Tesla insurance rewards Cybertruck owners who use FSD by lowering their premiums for taking advantage of convenient vehicle features, and have even written a whole article with that narrative. But in reality it's neither about reward nor penalty. It's about correctly pricing insurance risk based on how the vehicle is driven. Tesla has had to demonstrate to the state insurance regulator that lower premiums are appropriate when FSD is used by showing it is statistically correlated with lower accident frequency or severity. Conversely, when the risk is demonstrated to be higher, the vehicle premium must go up. The objectively unfair thing here would be for Tesla to have ignored this risk correlation and kept the higher premium even when FSD is enabled. Moreover, the fact that Tesla insurance has identified and demonstrated to regulators that premiums can vary based on the use of FSD means they've identified a simple way for the average driver to be objectively safer -- use FSD. What an easy thing to communicate to customers.