Progressive Insurance is Penalyzing Cybertruck Owners Who Frequently Drive Using Tesla’s Full-Self-Driving Software – Dings for Hard Braking & Fast Acceleration Result in 51% Premium Increase

Tesla Cybertruck owners who have insured their trucks using Progressive Insurance are reporting that they are getting penalized for using Tesla’s full self-driving software.

These Progressive customers have signed up for the Snapshot program, where they have given the insurance company permission to monitor their driving habits and adjust their premiums based on the incoming data.

The Cybertruck owners signed up for Snapshot, hoping to get their premiums lowered after proving their good driving abilities; however, they report that driving using FSD has really hurt their score.

The first person to bring this issue to our attention is Dave: a Cybertruck owner from Nebraska.

Dave shared his unique struggle on the Cybertruck Owners Club forum under the title, “Progressive/Snapshot thinks FSD is using hard braking.”

Explaining the issue further in detail, Dave continues to write…

“I use FSD probably 80% of the time.

But against my better judgment, I signed up for Snapshot with Progressive. After two months, it thinks I'm using hard braking and is giving me a low score. Sure enough, my insurance from Progressive just jumped over $400 for six months. It went from $850 to $1290. I'm not saying it's all because of Snapshot, but I'm sure it's playing a part in it. I doubt if I called them, they would outright tell me.

Does anyone have a similar experience?”

An insurance premium adjustment from $850 to $1290 is a 51% bump in just a couple of months. That is definitely a major increase.

Something interesting here: Tesla Insurance will decrease customers’ premiums if they frequently use FSD; however, Progressive’s Snapshot software has identified using FSD as more dangerous than driving manually.

Another Cybertruck owner from Houston, Texas, who goes by the username Pops, adds to Dave's experience by sharing his own story of using Progressive/Snapshot.

Pops shares his Cybertruck with his wife and says he barely engages FSD, only turning it on 30% of his drive; however, his wife is a much bigger FSD fan and engages the software on almost 90% of her drive.

Pops says that, as a light FSD user, he has a 5 out of 5 score from Progressive, whereas his wife, a heavy FSD user, only has a 1 out of 5 score.

Pops adds that although there are other factors affecting his wife’s score, she is also getting dinged for the same hard braking and fast acceleration when using FSD.

Pops writes, 

“I also have Progressive Snapshot. My score is 5/5, and I use FSD about 30% of the time. My wife's score is 1/5 (we are screwed at renewal). She uses FSD about 90% of the time. The problem is she gets dinged for phone use on almost all of her drives. There is also fast acceleration and hard braking for her while using FSD.”

Pops further goes on to explain that the biggest reason for his wife’s 1/5 score is phone use; she doesn’t mark herself as a passenger when in the Cybertruck but not driving the vehicle.

However, Pops has also observed that she gets more penalized for hard braking and fast acceleration when FSD makes the driving decisions.

Overall, it’s interesting to see that people who drive manually get better scores than those using Tesla’s full self-driving software. I wonder what this means for Tesla’s autonomous vehicle future.

Please let me know what you think in the comments. Share your ideas by clicking the red “Add new comment” button below. Also, visit our site, torquenews.com/Tesla, regularly for the latest updates.

Image: Screenshot from Whole Mars Catalog YouTube channel

For more information, check out: Tesla Officially Starts Delivering the 2025 Cybertruck; New Owners Say “It’s Much Quieter & Smoother Than the 2024 Version”

Tinsae Aregay has been following Tesla and the evolution of the EV space daily for several years. He covers everything about Tesla, from the cars to Elon Musk, the energy business, and autonomy. Follow Tinsae on Twitter at @TinsaeAregay for daily Tesla news.