Tesla Insurance Claim Complaints

What stands out in Tesla Insurance's numbers

In Texas this page counts 1 company selling as Tesla Insurance: Tesla Property & Casualty, Inc., with 40,364 auto policies in force.

"Poor claim handling or communication" came up in 90% of Texas complaints about Tesla Insurance, against 61% for all Texas auto insurers.

Tesla Insurance's Texas complaint index rose from 14.28 in 2024 to 36.24 in 2025 (65 confirmed complaints, then 241).

An index of 36.24 is far above any other brand on this site. It is the figure as published by the Texas Department of Insurance, and it rests on 241 confirmed complaints against 40,364 policies, so it is not a small-sample swing. The next highest is Kemper at 3.06.

In California's 2025 report, Tesla Insurance's company placed 49 of the 50 largest auto insurers (1 = fewest justified complaints for the vehicles it insures).

The California Department of Insurance counted 372 justified complaints against Tesla Insurance's California companies in 2025, against 2 in 2024.

What Texas drivers complained about (2025)

In 2025 the Texas Department of Insurance closed 297 auto complaints about Tesla Insurance. The most common reasons:

1. Poor claim handling or communication (90% of complaints)
2. Claim delays (87% of complaints)
3. Low settlement offer (18% of complaints)
4. Policy service problems (4% of complaints)
5. Premium or rating (3% of complaints)

One complaint can list more than one reason. These counts include every complaint TDI closed that year, not only confirmed ones, and count by closing year the way TDI's complaint index does.

Did complaining get people paid?

84% of the 282 claim complaints about Tesla Insurance ended with the claim settled or more money paid, by TDI's record of how each was resolved. For all Texas auto insurers the figure was 58%.

If Tesla Insurance is stalling or lowballing your claim

1. Put it in writing. Ask the adjuster by email for the reason for any delay or offer, and the policy language or valuation report behind it.
2. Keep a dated record of every call, promise and document. State claim rules set deadlines for acknowledging, deciding and paying claims, and a record shows when they were missed.
3. Send a written counter-offer with your own evidence: estimates, comparable cars, receipts.
4. If that goes nowhere, file a complaint with your state insurance department. It's free, and the insurer has to answer it in writing.