That's all marketing fluff.
The only U.S. insurance company offering such a discount is some random startup insurance company available to only a small percent of the population. The company is about 2 years old, requires significant tracking of your driving behavior, and it's entirely unclear why they are offering the discount.
The only UK insurance company offering such a discount said “it was too early to say whether the use of the autopilot system produced a safety record that justified lower premiums. It said it was charging less to encourage use of the system and aid research.” It made this decision working closely together with Tesla, it wasn't based on any actuarial data.
Also, from that article, it looks like the NHTSA found that crashes were 40% lower in cars with autopilot. [2] I don't know enough about insurance and how it works to know if that counts at all, but it shows that it's not all marketing fluff.
[1] https://www.businessinsider.com/tesla-liberty-mutual-create-...
[2] https://www.businessinsider.com/tesla-autopilot-cuts-crash-r...
"Liberty Mutual Insurance offers discounts for various electronic safety features; such as Adaptive Cruise Control, Adaptive Headlights, Collision Preparation Systems (including automatic braking), Blind Spot Warning, Lane Departure Warning and Rear-View Cameras"
I'd be interested in seeing crash data for Teslas compared with other $50-$130k cars less than 5 years old.
I don't know it well enough to know if there were other factors at play, but it wasn't just that Teslas in general were less likely to crash, only the ones with AP hardware installed.
But Tesla knew it would certainly be perceived as such.
How? I'm not trying to instigate something here, but a quick search of this isn't showing anything except a bunch of groaning about how unfair it is that Tesla gets all kinds of tax breaks for its cars because it's the only one selling electric at any kind of scale.
https://www.businessinsider.com/tesla-liberty-mutual-create-...
"The firm's InsureMyTesla program is an example of Tesla working directly with an insurance partner to mitigate risks and keep rates low."
I thought subsidize meant that they would be basically paying the difference.
If there's no money changing hands in this partnership, then either the insurance companies are really dumb and are just throwing money away, or there's some truth to the stats that tesla keeps bringing up (40% fewer crashes in cars with autopilot) (or there's something else i'm missing!)
Insurance companies may do this because it is a strong signal the customer is gullible to questionable upsells. Maybe they've found that statistically they can sell them more things like overpriced umbrella insurance through direct mail marketing pack ins with their car insurance bill.
(edit: opps, I misread AP as FSD)
I'd caution you against believing anything that he says. It's easy to extract from the data an unfair comparison that shows the group with Tesla AP being safer, but comparing it against cars in totally different driving context or against the safety of motorcycles is just completely deceptive. The stats indicate that Tesla w/AP enabled on freeways is less safe than Tesla w/o AP enabled on freeways.