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Lemonade Offers 30% Discount to HW3 Teslas Running FSD v14 Lite

📍 TeslaNorth October 8, 2026 at 02:59 PM

Lemonade announced that Tesla vehicles with Hardware 3 (HW3) can now access its FSD insurance discount. According to co-founder Shai Wininger, the policy applies a 30% discount on every mile driven with FSD (Supervised) v14 Lite in Arizona, Colorado and Tennessee. HW4 Teslas keep the 50% discount on full FSD v14. Miles driven manually are billed at the regular per-mile rate. The published requirements are firmware 2026.20.6.11 or higher for HW3 and 2025.44.25.5 or higher for HW4. Until now, HW3 vehicles were excluded because Lemonade said they did not meet the hardware requirement.…

HW3 running FSD v14 Lite gets 30% off per mile in AZ, CO and TN.
HW4 running full FSD v14 keeps a 50% per-mile discount.

🔎 Why it matters: The HW3 discount only applies with FSD v14 Lite (firmware 2026.20.6.11 or higher) and, for now, in Arizona, Colorado and Tennessee. Lemonade has not explained why Lite receives 30% instead of 50%.

📈 Upside: HW3 owners in Arizona, Colorado and Tennessee can get 30% off every mile driven with FSD v14 Lite, without any extra hardware.

📉 Risk: Lemonade has not published crash data specific to v14 Lite or said whether HW3 vehicles can reach the 50% rate, and Oregon, Indiana and Missouri have no date for HW3 drivers.

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Lemonade Offers 30% Discount to HW3 Teslas Running FSD v14 Lite

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