Tesla Automotive recently launched Safety Score version 2.0 which uses real-time data to adjust monthly insurance premiums. In the new update, Driving after 10 pm without following safety instructions has become costlier. As late night driving gets expensive with Tesla Insurance, many customers are left bemused.

Tesla owners have been complaining about high insurance costs for years. This is because the elevated rates are higher than average claims. Tesla Automotive holds the monopoly of parts and services of its automobiles.

But the company even created its own insurance product. This product makes adjustments in monthly premium costs by using real-time data. In 12 states many Tesla users have switched to this service, but they realized it was not a good decision.

The extent of an owner’s nighttime driving greatly affects their premium with Tesla Insurance. The price paid for Tesla insurance is called a Safety Score.

The company uses real time data from the user’s in-car telematics. It includes driving behaviors like unsafe following, hard braking, excessive speeding, and aggressive turning.

If these ratings are negative and the driver is not following safety rules, their monthly insurance payment will increase. Safety scores are also affected by night driving between 10:00 pm and 04:00 am. And as per Tesla they can weigh around 15.2% on overall score.

A Tesla Safety Score support article mentions, “Plan your trips to avoid driving between the hours of 10 pm and 4 am to help reduce the likelihood of a dangerous driving environment.”

Except for some consumers, others are complaining about a surge in insurance payments rising by nighttime driving. Tesla has mentioned in multiple instances how driving at night can affect a driver’s Safety Score.

In Safety Score version 2.0 the company weighs late night driving hours differently. This is to better reflect the amount of risk associated during those hours. Tesla also enabled variable time-of-use rates at their Supercharging Stations.

The amount of electricity delivered to the vehicle will cost more or less depending upon the time of the day you plug in. Both of these options are contrary to each other because one is beneficial and cost-effective while the other is expensive.

Reduced charging costs are available during the same time frame as the night driving hours specified in Tesla Insurance. Probably it is to promote and encourage users to use Tesla Supercharging Stations when needed to prevent congestion.

For insurance, it is highly unlikable that Tesla will drop the metric. Despite so many complaints, the company is not going to remove this insurance formula anytime sooner.

Also Read: How to Charge Your Non-Tesla EV at a Tesla Supercharger?

But on the other hand, the number of fatalities recorded at night is considerably more than we know. With this tool, Tesla gets more refined and detailed fleet data that can help in reducing accidents and encourage safe driving.

According to the data received from the National Highway Traffic Safety Administration’s Fatality and Injury Reporting System Tool, in 2021 there were around 4,335,820 property-only vehicle crashes. Roughly 68% of these incidents took place during the day. The ones that involved injuries ranged to 66%, and they occurred at night.

Again, there were 39,508 fatal motor vehicle crashes in 2021 claiming the lives of around 42,915 people. 54% of those accidents took place during the night. So, late night driving gets expensive with Tesla Insurance. But it is expected to reduce the number of fatalities caused by reckless driving.

Source: Tesla


Elliot is a passionate environmentalist and blogger who has dedicated his life to spreading awareness about conservation, green energy, and renewable energy. With a background in environmental science, he has a deep understanding of the issues facing our planet and is committed to educating others on how they can make a difference.

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