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Lemonade extends Tesla FSD insurance discounts to HW3 with v14 Lite
Lemonade is expanding its Tesla insurance program to vehicles with Hardware 3 (HW3). Starting Thursday, the insurer applies a 30% discount to every mile an HW3 Tesla drives with FSD v14 Lite. The discount applies only to FSD miles, not to the full premium. For now, the benefit is available in Arizona, Colorado and Tennessee, and Lemonade says more states are coming. To qualify, the vehicle must be a 2019 or newer Tesla running firmware 2026.20.6.11 or later. Current customers receive it automatically at their next renewal.…
- HW3 gets 30% off per mile with FSD v14 Lite; HW4 gets 50%.
- Available only in Arizona, Colorado and Tennessee; Lemonade says more states are coming soon.
🔎 Why it matters: Extends Lemonade's program to HW3 Teslas, which need firmware 2026.20.6.11 and FSD v14 Lite for the 30% discount.
📈 Upside: HW3 Tesla owners from 2019 or newer can reduce insurance costs on FSD miles in Arizona, Colorado and Tennessee.
📉 Risk: The HW3 discount is smaller than HW4's 50%, and for now it applies in only three states with no announced dates for the rest.
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