Lemonade 把 FSD 保险折扣扩至 HW3 老车：v14 Lite 里程打七折，先行三州
Lemonade expands Tesla FSD insurance discounts to HW3 vehicles with v14 Lite
保险公司 Lemonade 把其特斯拉按里程计费保险的 FSD 折扣扩展到搭载 HW3 的老款车：自本周四起，HW3 车辆使用 FSD v14 Lite 行驶的里程可享 30% 折扣，目前适用于亚利桑那、科罗拉多与田纳西三州，后续将扩展更多州。资格要求为 2019 年或更新的车型、固件不低于 2026.20.6.11，老客户在下次续保时自动生效。对比之下，HW4 车型使用 FSD v14.2 及以上可享 50% 折扣。折扣只针对 FSD 行驶里程（非整张保单），Lemonade 经车主授权后通过特斯拉 Fleet API 区分人工与 FSD 里程分别计价。
Lemonade is expanding its Tesla insurance program to include older vehicles equipped with Hardware 3 (HW3), giving more owners an opportunity to lower their premiums when using Full Self-Driving (Supervised).
Starting Thursday, Lemonade takes 30% off every mile an HW3 Tesla drives on FSD v14 Lite. For now, only drivers in Arizona, Colorado and Tennessee qualify, but Lemonade says more states are coming.
For HW3 owners, eligibility requires a 2019 or newer Tesla running firmware 2026.20.6.11 or later. Current customers get it automatically at their next renewal.
The discount is smaller than the 50% offered to owners of newer HW4-equipped Teslas running FSD v14.2 or later.
Teslas are insanely safe, but traditional insurance has no clue. Lemonade connects directly to your @Tesla and cuts insurance costs by 50% on miles driven with FSD (Supervised). And… as of today, HW3 Teslas get 30% off with FSD v14 Lite! Live in AZ, CO & TN + more soon: https://t.co/EYapOeDWOz
— Shai Wininger (@shai_wininger) October 8, 2026
Lemonade’s Autonomous Car insurance program works differently from traditional policies. Using Tesla’s Fleet API, and with the owner’s permission, the insurer tracks how many miles are driven manually versus with FSD activated. Each category is then priced separately, meaning owners who use FSD more frequently can potentially save more.
Importantly, the 30% and 50% discounts apply only to eligible FSD miles, not the entire insurance premium.
Tesla began rolling out FSD v14 Lite to HW3 vehicles earlier this year, adapting improvements from its newer software to work within the limitations of the previous-generation computer. The update brought improved driving behaviour and responsiveness. Tesla is currently deploying FSD V14.3 Lite to early testers, with a wider release expected soon.
Related Articles:
- Lemonade Launches Usage-Based Insurance for Tesla FSD
- Tesla Rolls Out FSD V14.3.11 Alongside V14.3 Lite for HW3
- Tesla FSD V14 Lite Goes Wide in Canada and the United States
- Tesla Safety Score v3.0 Rewards FSD Use With Lower Premiums
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来源：MyTesla 编辑台 · driveteslacanada.ca