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It’s your car, so ultimately the liability is yoursNo, that's not how it works. The driver and the driver's insurer are on the hook when something bad happens. The owner is not, except when the owner is also the one driving, or if the owner has been negligent with maintenance, and the crash was caused by mechanical failure related to that negligence.
If someone else is driving my car and I'm a passenger, and they hurt someone with it, the driver is liable, not me. If that "someone else" is a piece of software, and that piece of software has been licensed/certified/whatever to drive a car, why should I be liable for its failures? That piece of software needs to be insured, certainly. It doesn't matter if I'm required to insure it, or if the manufacturer is required to insure it.
Tesla FSD doesn't fit into this scenario because it's not the driver. You are still the driver when you engage FSD, because despite its name, FSD is not capable of filling that role.