Carrier review · Updated August 3, 2026
Liberty Mutual Tesla Model Y insurance review
Wide endorsement menu, no published Model Y average. Liberty Mutual sells a long list of optional coverages including better-car replacement and original-parts replacement, which suits a Model Y owner who wants specific protections. No Model Y average is published for Liberty Mutual, so there is no comparable figure here and you will need a direct quote to place it on price.
Who Liberty Mutual is right for
Liberty Mutual is our pick for owners who want à la carte endorsements. No Model Y average is published for this carrier, so it does not appear in the price ranking on this site. Everything below covers what it offers; the price comparison has to come from a quote.
Liberty Mutual sells a long list of optional coverages including better-car replacement and original-parts replacement, which suits a Model Y owner who wants specific protections. No Model Y average is published for Liberty Mutual, so there is no comparable figure here and you will need a direct quote to place it on price.
Pros and cons
What works
- Better Car Replacement upgrades a totaled vehicle one model year
- Original Parts Replacement endorsement is directly useful for a Tesla
- Accident forgiveness available after five claim-free years
- Deductible fund reduces your deductible by $100 each year
- Available in every state
What does not
- No published Model Y average, so it cannot be compared on price without a direct quote
- Complaint index runs above the industry median
- Endorsements that matter are mostly paid add-ons
- RightTrack savings are modest relative to competitors
Coverage highlights
Beyond standard liability, collision and comprehensive, these are the coverages and endorsements that matter most for a Model Y owner at Liberty Mutual.
- Better Car Replacement
- Original Parts Replacement
- Lifetime repair guarantee at network shops
- 24-hour roadside assistance
Discounts available
Not every discount below applies in every state, and several are never surfaced in an online quote. Ask an agent to confirm each one against your filing.
Availability and claims
Where you can buy it: All 50 states and Washington, D.C.
How claims are handled: App, phone and agents
Telematics: Optional (RightTrack)
How Liberty Mutual compares
| Carrier | Avg. annual | Avg. monthly | Best for |
|---|---|---|---|
| USAA | $2,256 | $188 | Military members and their families |
| Travelers | $2,748 | $229 | Owners bundling home and auto |
| Nationwide | $3,044 | $254 | Low-mileage drivers using SmartMiles |
| State Farm | $3,051 | $254 | Owners who want a local agent |
Liberty Mutual FAQ
What is Original Parts Replacement worth on a Model Y?
It obliges the carrier to use original equipment parts on a covered repair rather than aftermarket equivalents. On a vehicle where sensor calibration and panel fit are tightly specified, it is one of the more genuinely useful endorsements available.