Tesla Model Y Insurance in New Hampshire
Rates from $31 – $51/mo minimum coverage, $123 – $205/mo full coverage. Compare top NH carriers below.
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Updated June 2026 · Source: New Hampshire DOI + IQ rate model
Average monthly premium — 2024 Tesla Model Y, New Hampshire
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Tesla Model Y drivers in New Hampshire
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Tesla Model Y insurance costs what it does in New Hampshire
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
No theft-rank surcharge on comprehensive premium.
High parts and labor costs raise collision premiums materially.
New Hampshire is one of two US states (with Virginia) where auto insurance is NOT mandatory — drivers can self-insure by proving financial responsibility. The voluntary-purchaser pool skews lower-risk than mandatory states, which keeps premiums very low. If you do buy a policy, 25/50/25 are the standard limits.
Frequently asked questions
01How much is Tesla Model Y insurance in New Hampshire?
New Hampshire drivers of a 2024 Tesla Model Y pay about $123 – $205 per month for full coverage, or roughly $31 – $51 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Model Y?
Yes. If your Model Y has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. New Hampshire law itself only requires the state liability minimums (not mandatory (25/50/25 if purchased)), but the lender's contract overrides that.
03What's the cheapest carrier for a Model Y in New Hampshire?
Cheapest varies by driver profile, but in New Hampshire the major carriers most often quoting the lowest premiums for a Model Y are GEICO, Progressive, and State Farm. Regional carriers (Concord Group and Vermont Mutual) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Are EVs like the Model Y more expensive to insure in New Hampshire?
Yes, noticeably. EVs cost 20-40% more to insure than equivalent gas vehicles in most states, New Hampshire included, primarily due to battery-pack replacement cost and a thinner repair network. The premium gap is narrowing each year as more shops are certified on EV repair.
05Does New Hampshire require SR-22 after a DUI for a Model Y?
After a DUI, New Hampshire requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Model Y typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.