Roamly launches FSD insurance
Roamly has introduced a new insurance product for autonomous driving.
It launched “Roamly FSD,” a real-time, pay-per-mile insurance product that prices risk dynamically based on when a vehicle is operating in Full Self-Driving mode. According to the company, premiums drop by roughly 50% when autonomy is engaged, reflecting a lower risk profile tied to software-driven driving.
The product, designed to sit on top of a traditional auto policy, relies on native vehicle telemetry rather than aftermarket hardware or mobile apps. By connecting directly to manufacturer APIs, Roamly reads when Full Self-Driving is active and charges only for those miles, with pricing currently set at about $0.31 per autonomous mile.
It is also embedded within the Wheelbase platform, allowing fleet operators and carshare users to add coverage during bookings.
The launch was enabled through a partnership with Mobilitas Insurance , alongside underwriting capacity backed by Lloyd’s of London.
Bottom Line: In 2024, Spinnaker reported $12.8 million in MGA premiums on behalf of Outdoorsy, which increased 20% to $15.4 million in 2025.
