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.
Recalls
NHTSA has no recalls on record for the 2027 Tesla Model Y. A specific car can still have work outstanding from its seller, so check its VIN before you buy.
Crash test ratings
2027 TESLA MODEL Y SUV BEV RWD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 9%
2027 TESLA MODEL Y SUV BEV AWD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 9%
2027 TESLA MODEL Y L SUV BEV AWD
- Overall
- Not rated
- Frontal
- Not rated
- Side
- Not rated
- Rollover
- Not rated
What owners report
2 complaints to NHTSA.
- Lane departure1
- Unknown or other1
Insuring a 2027 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.
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.