Tesla Model 3 Insurance Cost in New Hampshire
Official 2026 rate study for insuring a Tesla Model 3 in New Hampshire (NH). Compare full coverage against state minimum liability (25/50/25), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Tesla Model 3 in New Hampshire (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 New Hampshire Auto Insurance Index)
Tesla Model 3 Rates by Model Year in New Hampshire
Depreciation schedule calculated for New Hampshire insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,433 | $119/mo | $50/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,379 | $115/mo | $51/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,328 | $111/mo | $51/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,281 | $107/mo | $52/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,237 | $103/mo | $52/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,196 | $100/mo | $53/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,157 | $96/mo | $53/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,121 | $93/mo | $54/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,087 | $91/mo | $54/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $1,056 | $88/mo | $55/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $1,026 | $86/mo | $55/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $999 | $83/mo | $56/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $973 | $81/mo | $56/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $949 | $79/mo | $57/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $926 | $77/mo | $57/mo | -35% | Consider 10% Rule (Liability Only) |
Tesla Model 3 Rates by Driver Age in New Hampshire
Actuarial loss-cost surcharges and discounts applied by New Hampshire carriers based on driver experience.
Estimated Quotes by Carrier: Tesla Model 3 in New Hampshire
Sample underwriting benchmarks across major carriers serving New Hampshire drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $115/mo | $1,380/yr | |
| Progressive | A+ | $114/mo | $1,368/yr | |
| GEICO | A++ | $130/mo | $1,560/yr | |
| Allstate | A+ | $117/mo | $1,404/yr |
Frequently Asked Questions: Tesla Model 3 Insurance in New Hampshire
How much does it cost to insure a Tesla Model 3 in New Hampshire? ▾
Full-coverage car insurance for a Tesla Model 3 in New Hampshire averages approximately $119 per month ($1,433 per year). Drivers opting for statutory state minimum liability (25/50/25) pay approximately $50 per month ($602 per year).
Is Tesla Model 3 insurance cheaper or more expensive in New Hampshire? ▾
The Tesla Model 3 is approximately 3.8% more expensive than the statewide average vehicle insurance rate of $1,380/year in New Hampshire. Its High actuarial risk classification and 5-star crash safety rating help keep physical damage loss ratios stable.
What are the legal minimum insurance requirements for a Tesla Model 3 in New Hampshire? ▾
Under New Hampshire insurance statutes, any motor vehicle registered in the state must carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage liability (25/50/25).
How much does a 16-year-old pay to insure a Tesla Model 3 in New Hampshire? ▾
A 16-year-old teen driver on a standalone policy pays approximately $299/month ($3,583/year) for full coverage in New Hampshire. Parents can substantially lower this surcharge by adding the young driver to a family multi-car policy and submitting good student grade transcripts.
When should I drop full coverage on an older Tesla Model 3 in New Hampshire? ▾
Apply the actuarial 10% Rule: if the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), consider switching to state minimum liability only. In New Hampshire, this typically occurs around model year 2018 or older.
Compare Tesla Model 3 Insurance Across Other States
See how insurance rates for the Tesla Model 3 vary across different state statutory jurisdictions.