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Tesla Insurance: Late Night Driving Is Too Penalizing

Tesla Insurance is awesome except one thing - late night driving is too penalizing.

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Tesla Insurance - Late Night Driving

Tesla Insurance is an incredible product. It takes your safety score and calculates your monthly premium based on that. The monthly premium is the cost to have insurance in case something goes wrong, and you need to pay a lot of money. The monthly premium funds Tesla's insurance costs.

There are 6 primary categories that calculate your safety score and thus your Tesla Insurance premium. They are:

Forward Collision Warnings: Situations where a possible collision due to an object in front of you is considered likely without your intervention.

Hard Braking: Backward acceleration measured by your Tesla vehicle in excess of 0.3g. It's the same as decreasing the vehicle speed by more than 6.7 mph in one second.

Aggressive Turning: Any left or right acceleration measure by your Tesla vehicle in excess of 0.4g. This is the same as an increase in the vehicle speed to the left or right more than 8.9 mph in one second.

Unsafe Following: A measure of your speed compared to the vehicle in front of you, along with the distance between the two vehicles. If the number of seconds, you would have to react to the vehicle in front stopping suddenly is less than 1.0 seconds, that is unsafe. Only calculated at more than 50 mph.

Forced Autopilot Disengagements: I never have an issue with these. This happens is the Autopilot system disengages for the remainder of a trip after you have received three audio and visual warnings.

Late Night Driving: Any driving between 10:00 PM and 4:00 AM. If the drive spans multiple days, the last day is used to calculate this.

Here is a summary of 30 days of driving for me. Notice how one score is deep in the red compared to the others. This is unbalanced and Tesla needs to explain or fix this. The only way I can see late night driving being this much of a weight to your premium is if Tesla has data that shows late night driving is 5x to 10x more unsafe than regular driving. Maybe this is the case - and if it is, Tesla needs to explain that.

I have to admit, right now, I am driving less after 10pm because I know my Tesla Insurance premium is going to go up if I do this. I like to go out dancing or do other things once or twice a week, but I'm now limiting it to just a few times a month. My behavior has changed because of this unbalanced category.

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How to Fix This Problem

How can Tesla fix this problem? Tesla can reduce the penalty of late night driving. I understand that they have data that caused them to put this weight in, however, the reduction in score I'm getting is almost making it more economical for me to switch insurance to another provider here in Utah, where I won't be penalized for late night driving.

In addition to that, my monthly premium went up by about 25% without any explanation from Tesla. I was paying about $65, and now it is $95 for a 97 safety score. I understand that prices go up as the market adjusts to economic conditions, but it would be nice to have an explanation from Tesla on this as a customer.

Tesla can reduce the penalty from 10:00 PM to 1:00 AM and keep the same penalty for 1:00 AM to 4:00 AM. That would go a long way to helping.

With a reduction in penalty of late night driving, I'll feel better about going out a few times a month to dance or any activity that requires me to drive past 10:00 PM. I also understand that this is an unsafe time due to drunk driving and other factors, so I can see why Tesla made this a category.

You can help Tesla address these concerns by sharing this article on all social media platforms - it would really help out a lot because I don't see anyone talking about this. If you want to see a breakdown and more details about Tesla insurance, you can view that on Tesla's website here<?a>.

Do you think late night driving is too heavily penalized in the Tesla safety score and Tesla Insurance premium?

In Related News: Elon Musk Gives Nod to Model 3 - Project Highland

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Jeremy Johnson is a Tesla investor and supporter. He first invested in Tesla in 2017 after years of following Elon Musk and admiring his work ethic and intelligence. Since then, he's become a Tesla bull, covering anything about Tesla he can find, while also dabbling in other electric vehicle companies. Jeremy covers Tesla developments at Torque News. You can follow him on Twitter or LinkedIn to stay in touch and follow his Tesla news coverage on Torque News.

Image Credit, Tesla, Screenshot

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Brian (not verified)    March 2, 2023 - 6:55AM

No matter if Tesla was half the cost of competitor insurance (which you say is far from it), the cost is too high for your loss of freedom. You choose to drive less and therefore go dancing less because of the Tesla nanny? Buying into this kind of tyrannical corporate oversight is un-American besides being an absolutely ridiculous choice on your part. Consequently, you got what you deserved (nothing).

Marc (not verified)    March 18, 2023 - 11:52AM

In reply to by Brian (not verified)

This Tesla late night driving measure was recently added. It was not a measurement when I signed a little over a year ago. It’s a ridiculous metric and believe me I never go dancing or to concerts but I or family members do go on vacation and the best flights usually depart or arrive at night and I get penalized for going to the airport or home after my flight. It’s RIDICULOUS!

Remy Gates (not verified)    April 9, 2023 - 2:57AM

In reply to by Brian (not verified)

i agree wholeheartedly. i went on a road trip and figured i’d drive at night to deal with less cars on the road. Now my night driving is so high it’s going to take a while to lower. It’s so unreasonable considering other scores have some sort of baseline. It’s literally ridiculous considering there’s less cars on the road then, people work at night, we go out to do things at that time.

I know someone started class action for the forward collision being so wonky. i wonder if that can happen for this, considering they have no basis for how their tested fleet drives 0% at night.

Eva Hamilton (not verified)    March 24, 2023 - 9:47PM

I really have to drive like an old lady by not stepping on the brakes, crawling to turn and not following anyone more than 2 cars distance during rush hour traffic.
And finally, penalizing occasional late night driving is just ridiculous.
I am seriously considering to change my insurance provider.
It wouldn't matter much to mega billion dollar corporation, but it's just outrageously idiotic.

Michael D. Figueroa (not verified)    April 7, 2023 - 8:54AM

I now work second shift. I get off work at 10:30pm. I have a 98 score. With just one drive home my score for the day was 81. Just because of late night driving. There has to be a better way.