# Insurers Price Robots by the Day, Robotaxis by the Mile

> Insurers charge 20% more for AI robot insurance, 50% less per mile for Tesla drivers with full self-driving.
- Title: Insurers Price Robots by the Day, Robotaxis by the Mile
- Summary: Insurers charge 20% more for AI robot insurance, 50% less per mile for Tesla drivers with full self-driving. Insurers now offer specialized coverage for…
- Keywords: tokio marine, nichido fire insurance, lemonade, tesla, full self-driving, allianz partners, waymo, cpic, robot insurance, autonomous vehicles, robotaxis, 38 states
- Source: Pymnts — https://pymnts.com/insurance/2026/insurers-price-robots-by-the-day-robotaxis-by-the-mile
- Author: PYMNTS
- Published: 2026-10-27T17:27:13+00:00
- Read time: 1 min
- Topics: tokio marine, nichido fire insurance, lemonade, tesla, full self-driving, allianz partners, waymo, cpic, robot insurance, autonomous vehicles, robotaxis, 38 states
## Tokio Marine & Nichido Fire Insurance
Tokio Marine & Nichido Fire Insurance will sell AI robot insurance in November that pays for repairs, third-party injury and property damage claims and the wages of replacement workers or rental fees for substitute robots.

> Tokio Marine & Nichido Fire Insurance, the domestic arm of Japan’s largest nonlife insurer, said Monday (Oct. 26) it will introduce AI robot insurance in November for wheeled, four-legged and humanoid robots
## Lemonade Tesla Discount
Lemonade charges Tesla drivers about 50% less per mile when Full Self-Driving is engaged, with rates 50% below national average.

> Lemonade, the New York-based digital insurer, introduced autonomous vehicle insurance in Arizona in January, with per-mile rates about 50% lower when Tesla’s Full Self-Driving (Supervised) system is engaged
## Allianz Partners Waymo Coverage
Allianz Partners will supply Waymo with fleet and product liability insurance for London and Munich launches.

> Allianz Partners, the insurance and assistance arm of Allianz SE, said Sept. 16 it will supply Waymo with motor fleet insurance, product liability coverage and new insurance models built for autonomous mobility platforms as robotaxi units prepare to launch in London and Munich
## CPIC Robot Coverage
China Pacific Insurance sells humanoid robot coverage by the day, week or month for rental jobs.

> China Pacific Insurance, known as CPIC, sells humanoid robot coverage by the day, week or month so the policy matches the length of a rental job
## 38 States Liability Rules
38 U.S. states have liability coverage rules for autonomous vehicles, with minimums from $750,000 in Arkansas to $5 million in California.

> The Connecticut Office of Legislative Research found that 38 states have laws addressing liability coverage for operating or testing autonomous vehicles
## Sharebot Robot Rentals
Sharebot rents humanoid robots for $517 a day, with over 1,000 robots covered by insurance totaling $28 million.

> Sharebot, a rental platform launched by humanoid maker AGIBOT, rents machines for as little as 3,500 yuan, or about $517 a day
## Insurers Expand Robot Coverage
Zurich Insurance, Munich Re, and Relm Insurance offer specialized robot and AI system coverage.

> Zurich Insurance ’s Hong Kong unit launched embedded repair coverage for corporate robot fleets with InsurTech firm YAS in June
## Key takeaway

Insurers now offer specialized coverage for robots and autonomous vehicles, with premiums varying by use and safety features.