Lemonade has brought its Tesla Full Self-Driving insurance discount to Ohio, giving eligible owners 50% off miles driven with FSD (Supervised) and a separate 30% discount for older cars running FSD v14 Lite, Tesla North reported.
The company announced the Ohio launch on Nov. 9, expanding a program that began in Arizona earlier this year. It also builds on last month's addition of Hardware 3 Teslas, which had initially been excluded, the site reported.
The percentage applies to the charge for eligible FSD miles, rather than the entire insurance bill. Lemonade's pay-per-mile policy combines a base rate with mileage charges, so the final savings depend on how far you drive and how much of that driving uses FSD, Tesla North noted. For example, driving half your miles with the 50% discount would reduce the mileage portion by 25% compared with driving all those miles manually, assuming the same regular per-mile rate. The base charge would still remain.
Lemonade lists these hardware and software requirements, according to the report:
For the 50% discount on FSD miles: Hardware 4 Teslas running FSD v14 or newer, with firmware 2025.44.25.5 or later.
For the 30% discount on FSD Lite miles: 2019 and newer Hardware 3 Teslas running FSD v14 Lite or newer, with firmware 2026.20.6.11 or later.
With the owner's permission, Lemonade connects directly to the Tesla to distinguish FSD use from manual driving, Tesla North reported. There is no minimum FSD usage requirement, and existing Lemonade customers receive the discount at policy renewal. The company says using the discount does not change coverage or the claims process.
Ohio's launch includes both discount levels. Drivers can check the current eligibility details before requesting a quote, then compare the total cost, deductibles and coverage with their existing policy. The firmware floors matter. A Hardware 4 car that is not yet on FSD v14, or a Hardware 3 car still below 2026.20.6.11 or not running v14 Lite, would not meet the software requirements described in the announcement.
Despite Lemonade's "Autonomous Car" branding, Tesla says FSD remains a driver-assistance system requiring active supervision. The insurance discount does not make the car driverless, and it does not change the driver's responsibility on the road.
If you are an Ohio Tesla owner shopping insurance, the useful comparison is the full quote, not only the FSD-mile percentage. Ask whether your hardware and firmware qualify, how the discount is applied at renewal, and what the base rate and deductibles are before you switch.