Tesla first launched its insurance initiative in California in 2019, initially without incorporating real-time driving data. Over time, the company developed its safety score system, which assesses driver behavior based on factors such as aggressive turning, unsafe following distances, and forced Autopilot disengagements. In 2021, Tesla expanded its insurance offering to Texas and other states, integrating the safety score into pricing models. While this approach aimed to lower costs for safe drivers, it has faced criticism from customers who argue that Tesla’s performance-oriented vehicles and software updates can impact scores unpredictably.