diff --git a/homeassistant/components/teslemetry/coordinator.py b/homeassistant/components/teslemetry/coordinator.py
index 0dffd2b73f6b..fa80e55ddb6f 100644
--- a/homeassistant/components/teslemetry/coordinator.py
+++ b/homeassistant/components/teslemetry/coordinator.py
@@ -6,6 +6,7 @@ from typing import TYPE_CHECKING, Any, override
 from tesla_fleet_api.const import TeslaEnergyPeriod, VehicleDataEndpoint
 from tesla_fleet_api.exceptions import (
     GatewayTimeout,
+    InsufficientCredits,
     InvalidResponse,
     InvalidToken,
     LoginRequired,
@@ -49,6 +50,10 @@ ENERGY_INFO_INTERVAL = timedelta(seconds=30)
 ENERGY_HISTORY_INTERVAL = timedelta(seconds=60)
 METADATA_INTERVAL = timedelta(hours=1)
 
+# Insufficient credits will not resolve themselves quickly, so back off polling
+# instead of hammering the API at the coordinator's normal interval.
+INSUFFICIENT_CREDITS_RETRY_AFTER = timedelta(hours=1).total_seconds()
+
 ENDPOINTS = [
     VehicleDataEndpoint.CHARGE_STATE,
     VehicleDataEndpoint.CLIMATE_STATE,
@@ -139,6 +144,12 @@ class TeslemetryVehicleDataCoordinator(DataUpdateCoordinator[dict[str, Any]]):
             data = (await self.api.vehicle_data(endpoints=ENDPOINTS))["response"]
         except (InvalidToken, SubscriptionRequired, LoginRequired) as e:
             raise ConfigEntryAuthFailed from e
+        except InsufficientCredits as e:
+            raise UpdateFailed(
+                translation_domain=DOMAIN,
+                translation_key="update_failed_insufficient_credits",
+                retry_after=INSUFFICIENT_CREDITS_RETRY_AFTER,
+            ) from e
         except RETRY_EXCEPTIONS as e:
             raise UpdateFailed(
                 translation_domain=DOMAIN,
diff --git a/homeassistant/components/teslemetry/strings.json b/homeassistant/components/teslemetry/strings.json
index 2a82475cb20b..e2ea6d0312a6 100644
--- a/homeassistant/components/teslemetry/strings.json
+++ b/homeassistant/components/teslemetry/strings.json
@@ -1182,6 +1182,9 @@
     "update_failed": {
       "message": "Error fetching data from Teslemetry API: {message}"
     },
+    "update_failed_insufficient_credits": {
+      "message": "Teslemetry account has insufficient command credits, pausing updates until credits are added"
+    },
     "update_failed_invalid_data": {
       "message": "Received invalid data from API"
     },
diff --git a/tests/components/teslemetry/test_init.py b/tests/components/teslemetry/test_init.py
index 06a9cab91928..3598dc5da597 100644
--- a/tests/components/teslemetry/test_init.py
+++ b/tests/components/teslemetry/test_init.py
@@ -10,6 +10,7 @@ import pytest
 from syrupy.assertion import SnapshotAssertion
 from tesla_fleet_api.exceptions import (
     Forbidden,
+    InsufficientCredits,
     InvalidResponse,
     InvalidToken,
     LoginRequired,
@@ -25,6 +26,7 @@ from homeassistant.components.teslemetry.coordinator import (
     ENERGY_HISTORY_INTERVAL,
     ENERGY_INFO_INTERVAL,
     ENERGY_LIVE_INTERVAL,
+    INSUFFICIENT_CREDITS_RETRY_AFTER,
     METADATA_INTERVAL,
     VEHICLE_INTERVAL,
 )
@@ -39,6 +41,7 @@ from homeassistant.const import (
 )
 from homeassistant.core import HomeAssistant
 from homeassistant.helpers import device_registry as dr
+from homeassistant.helpers.update_coordinator import UpdateFailed
 
 from . import setup_platform
 from .const import (
@@ -64,6 +67,11 @@ ERRORS = [
     (TeslaFleetError, ConfigEntryState.SETUP_RETRY),
 ]
 
+VEHICLE_ERRORS = [
+    *ERRORS,
+    (InsufficientCredits, ConfigEntryState.SETUP_RETRY),
+]
+
 
 async def test_load_unload(hass: HomeAssistant) -> None:
     """Test load and unload."""
@@ -103,7 +111,7 @@ async def test_devices(
         assert device == snapshot(name=f"{device.identifiers}")
 
 
-@pytest.mark.parametrize(("side_effect", "state"), ERRORS)
+@pytest.mark.parametrize(("side_effect", "state"), VEHICLE_ERRORS)
 async def test_vehicle_refresh_error(
     hass: HomeAssistant,
     mock_vehicle_data: AsyncMock,
@@ -998,3 +1006,37 @@ async def test_dynamic_device_discovery_no_reload_without_changes(
 
     # Verify reload was NOT triggered since no subscription changes
     mock_reload.assert_not_called()
+
+
+async def test_insufficient_credits_backs_off_polling(
+    hass: HomeAssistant,
+    freezer: FrozenDateTimeFactory,
+    mock_vehicle_data: AsyncMock,
+    mock_legacy: AsyncMock,
+) -> None:
+    """Running out of command credits should back off, not hammer the API every poll."""
+    call_count = 0
+
+    def vehicle_data_side_effect(**kwargs):
+        nonlocal call_count
+        call_count += 1
+        if call_count == 1:
+            return deepcopy(VEHICLE_DATA)
+        raise InsufficientCredits
+
+    mock_vehicle_data.side_effect = vehicle_data_side_effect
+
+    entry = await setup_platform(hass)
+    assert entry.state is ConfigEntryState.LOADED
+    assert call_count == 1
+
+    freezer.tick(VEHICLE_INTERVAL)
+    async_fire_time_changed(hass)
+    await hass.async_block_till_done()
+
+    assert call_count == 2
+    assert entry.state is ConfigEntryState.LOADED
+
+    coordinator = entry.runtime_data.vehicles[0].coordinator
+    assert isinstance(coordinator.last_exception, UpdateFailed)
+    assert coordinator.last_exception.retry_after == INSUFFICIENT_CREDITS_RETRY_AFTER