Things to consider when insuring one
5-star overall crash rating
NHTSA’s top crash rating. Crash protection affects injury claims, which make up a large share of what auto insurance pays out.
Battery repairs and specialist shops
Damage near the battery pack can be expensive to repair and fewer shops are certified. Ask how a policy handles battery damage and whether it covers charging equipment at home.
2 recalls
- NHTSA 26V255000 · Apr 22, 2026
wheels: lugs/nuts/bolts/studs
Tesla, Inc. (Tesla) is recalling certain 2024-2026 Cybertruck vehicles equipped with 18-inch steel wheels. The brake rotor stud holes may crack and allow the stud to separate from the wheel hub.
- The risk
- Wheel stud separation can cause a loss of vehicle control, increasing the risk of a crash.
- The fix
- Tesla Service will replace the front and rear brake rotors, hubs, and lug nuts, free of charge. Owner notification letters were mailed June 20, 2026. Owners may contact Tesla customer service at 1-877-798-3752. Tesla's number for this recall is SB-26-33-003.
- NHTSA 25V699000 · Oct 15, 2025
exterior lighting
Tesla, Inc. (Tesla) is recalling certain 2024-2026 Cybertruck vehicles operating software prior to 2025.38.3. The vehicle controller software may cause the front parking lights to be too bright and exceed the maximum light output, adversely affecting the vision of other drivers. As such, these vehicles fail to comply with the requirements of Federal Motor Vehicle Safety Standard (FMVSS) number 108, "Lamps, Reflective Devices, and Associated Equipment."
- The risk
- Parking lights that are too bright can reduce visibility of oncoming drivers, increasing the risk of a crash.
- The fix
- Tesla released an over-the-air (OTA) software update, free of charge. Owner notification letters were mailed December 12, 2025. Owners may contact Tesla customer service at 1-877-798-3752. Tesla's number for this recall is SB-25-00-008.
Crash test ratings
2026 TESLA CYBERTRUCK PU/CC BEV RWD
- Overall
- Not rated
- Frontal
- Side
- Rollover
- Not rated
2026 TESLA CYBERTRUCK PU/CC BEV AWD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 12%
What owners report
9 complaints to NHTSA, 2 involving a crash.
- Steering3
- Electrical system2
- Lane departure2
- Power train2
- Unknown or other2
- Forward collision avoidance1
- Structure1
- Suspension1
Insuring a 2026 Tesla Cybertruck?
An independent broker compares several insurers for you and can explain what matters for this car. Find one who writes auto where you live.
Other 2026 Tesla models
Recalls, crash ratings and owner complaints are from the National Highway Traffic Safety Administration (NHTSA), last checked Oct 30, 2026. Complaints are owners’ reports and aren’t verified by NHTSA. This page is general information, not advice about a specific vehicle or policy.