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.
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.
8 recalls for this model year
More than most. When you buy one, make sure every campaign has been completed.
8 recalls
- NHTSA 26V558000 · Sep 1, 2026
suspension: critical fasteners
Tesla, Inc. (Tesla) is recalling certain 2026 Model Y vehicles. One or more front suspension lateral link fasteners may not have been properly tightened, allowing the lateral link to loosen or separate from the sub-frame.
- The risk
- A lateral link separation could shift the wheel alignment, causing a loss of vehicle control and increasing the risk of a crash.
- The fix
- Tesla Service will tighten or replace the fasteners and check wheel the alignment, free of charge. In addition, Tesla Service will replace any related parts that may have been damaged as necessary. Owner notification letters are expected to be mailed October 30, 2026. Owners may contact Tesla customer service at 1-877-798-3752. Tesla's number for this recall is SB-26-31-004.
- NHTSA 26V445000 · Jul 7, 2026
structure: body: bumpers
Tesla, Inc. (Tesla) is recalling certain 2026 Model Y and 2024 Model 3 vehicles. The vehicles were originally built for a foreign market and do not have knee air bags, may not be equipped with certain interior safety countermeasures, and may not have been tested for bumper impact resistance procedures. As such, these vehicles fail to comply with the requirements of Federal Motor Vehicle Safety Standard numbers, 208, "Occupant Crash Protection," 201, "Occupant Protection in Interior Impact," and Part 581, "Bumper Standards."
- The risk
- A noncompliant vehicle may have reduced occupant protections, increasing the risk of injury during a crash.
- The fix
- Tesla will repurchase noncompliant vehicles currently registered in the United States, free of charge. Owner notification letters were mailed September 4, 2026. Owners may contact Tesla customer service at 1-877-798-3752 or resolutions@tesla.com. Tesla's number for this recall is SB-26-00-004.
- 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 25V690000 · Oct 10, 2025
electrical system: propulsion system: fuses, relays, contacts, and shunts
Tesla, Inc. (Tesla) is recalling certain 2025 Model 3 and 2026 Model Y vehicles. The battery pack contactors may fail, causing a loss of drive power.
- The risk
- A loss of drive power can increase the risk of a crash.
- The fix
- Tesla Service will replace the battery pack contactors, free of charge. Owner notification letters were mailed December 9, 2025. Owners may contact Tesla customer service at 1-877-798-3752. Tesla's number for this recall is SB-25-16-005.
- NHTSA 25V658000 · Oct 2, 2025
electrical system: wiring
Tesla, Inc. (Tesla) is recalling certain 2026 Model Y vehicles. The reverse lights may fail to illuminate while the vehicle is in reverse, due to a defect in the wiring. 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
- Reverse lights that fail to illuminate reduce visibility and may not alert pedestrians or other drivers that the vehicle is backing up, increasing the risk of a crash.
- The fix
- Tesla Service will replace the reverse lights and reverse facia harness, free of charge. Owner notification letters were mailed November 26, 2025. Owners may contact Tesla customer service at 1-877-798-3752. Tesla's number for this recall is SB-25-17-011.
- NHTSA 25V490000 · Jul 28, 2025
electrical system: horn
Tesla, Inc. (Tesla) is recalling certain 2026 Model Y vehicles. The ring terminal of the horn ground wire may be improperly secured, allowing the circuit to open and preventing the horn from sounding.
- The risk
- An inoperable horn may prevent the driver from alerting other drivers as needed, increasing the risk of a crash.
- The fix
- Tesla service will replace the steering wheel, free of charge. Owner notification letters were be mailed September 23, 2025. Owners may contact Tesla customer service at 1-877-798-3752. Tesla's number for this recall is SB-25-17-009.
- NHTSA 25V410000 · Jun 18, 2025
seats: critical fasteners
Tesla, Inc. (Tesla) is recalling certain 2026 Model 3 and Model Y vehicles. The fasteners attaching the seat back to the seat bottom may have been improperly tightened.
- The risk
- The seat may not properly restrain the occupant, increasing the risk of injury during a crash.
- The fix
- Tesla Service Centers will inspect and tighten or replace the seat assembly fasteners as necessary, free of charge. Owner notification letters were mailed August 16, 2025. Owners may contact Tesla customer service at 1-877-798-3752. Tesla's number for this recall is SB-25-13-003.
- NHTSA 25V359000 · May 30, 2025
visibility: windshield wiper/washer: linkages
Tesla, Inc. (Tesla) is recalling certain 2026 Model Y vehicles. The hose connector may block the windshield washer nozzles, preventing washer fluid from reaching the windshield. As such, these vehicles fail to comply with the requirements of Federal Motor Vehicle Safety Standard (FMVSS) number 104, "Windshield Wiping and Washing Systems."
- The risk
- The inability to clean the windshield reduces the driver’s visibility and increases the risk of a crash.
- The fix
- Tesla service will inspect and replace the wiper arm elbow connector as necessary, free of charge. Owner notification letters were mailed July 25, 2025. Owners may contact Tesla customer service at 1-877-798-3752. Tesla's number for this recall is SB-25-20-001.
Crash test ratings
2026 TESLA MODEL Y SUV BEV RWD 2ND RELEASE
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 9%
2026 TESLA MODEL Y SUV BEV AWD 2ND RELEASE
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 9%
2026 TESLA MODEL Y SUV BEV RWD EARLY RELEASE
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 9%
What owners report
1 complaint to NHTSA.
- Vehicle speed control1
Insuring a 2026 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 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.