Things to consider when insuring one
Owners reported 3 fires to NHTSA
Not every complaint is confirmed, but several fire reports are worth asking a mechanic about, and worth checking against open recalls.
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.
Driver-assist sensors come standard
They can help avoid crashes, but a windshield or bumper repair often needs the cameras and radar recalibrated, which costs more. Check what your comprehensive and collision deductibles would mean for a glass claim.
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.
Most owner complaints are about the forward collision avoidance
50 of 109 complaints to NHTSA mention it. Worth a look in a pre-purchase inspection.
3 recalls
- NHTSA 26V315000 · May 19, 2026
equipment: other: labels
Tesla, Inc. (Tesla) is recalling certain 2025-2026 Model Y vehicles. The certification label may not have been installed. As such, these vehicles fail to comply with the requirements of 49 C.F.R. Part 567, "Certification."
- The risk
- Missing weight information provided by the label may lead to unintentionally overloading the vehicle, increasing the risk of a crash.
- The fix
- Tesla Service will inspect and install a certification label as necessary, free of charge. Owner notification letters were mailed July 17, 2026. Owners may contact Tesla customer service at 1-877-798-3752. Tesla's number for this recall is SB-26-19-002.
- NHTSA 25V002000 · Jan 7, 2025
back over prevention: software
Tesla, Inc. (Tesla) is recalling certain 2024-2025 Model 3, Model S, 2023-2025 Model X, and Model Y vehicles. The computer circuit board may short, resulting in the loss of the rearview camera image. As such, these vehicles fail to comply with the requirements of Federal Motor Vehicle Safety Standard (FMVSS) number 111, "Rear Visibility."
- The risk
- A rearview camera that does not display an image reduces the driver's rear view, increasing the risk of a crash.
- The fix
- Tesla released an over-the-air (OTA) software update, free of charge. Tesla will also identify any vehicles that experienced a circuit board failure, or stress that may lead to a circuit board failure, and replace the affected computers, free of charge. Owner notification letters were mailed March 7, 2025. Owners may contact Tesla customer service at 1-877-798-3752. Tesla's number for this recall is SB-25-00-001.
- Over-the-air fixNHTSA 24V935000 · Dec 17, 2024
tires: pressure monitoring and regulating systems
Tesla, Inc. (Tesla) is recalling certain 2024 Cybertruck, 2017-2025 Model 3, and 2020-2025 Model Y vehicles. The tire pressure monitoring system (TPMS) warning light may not remain illuminated between drive cycles, failing to warn the driver of low tire pressure. As such, these vehicles fail to comply with the requirements of Federal Motor Vehicle Safety Standard number 138, "Tire Pressure Monitoring Systems."
- The risk
- Driving with improperly inflated tires increases the risk of a crash.
- The fix
- Tesla released an over-the-air (OTA) software update, free of charge. Owner notification letters were mailed February 15, 2025. Owners may contact Tesla customer service at 1-877-798-3752. Tesla's number for this recall is SB-24-00-018.
Crash test ratings
2025 Tesla Model Y SUV AWD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 8%
2025 Tesla Model Y SUV RWD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 10%
What owners report
109 complaints to NHTSA, 33 involving a crash, 3 a fire, 16 injuries.
- Forward collision avoidance50
- Unknown or other26
- Lane departure22
- Electrical system20
- Back over prevention15
- Service brakes15
- Vehicle speed control10
- Steering9
Insuring a 2025 Tesla Model Y?
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 2025 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.