If I paid $200 every 6 months, I'd be looking for another carrier.... let alone that much cheaper, LOL. Of course, that is a regional cost thing I'm sure (rates are pretty cheap here, and I don't carry full coverage because I'm good at math). No idea what a Tesla would be to insure, I'd never own one anyway, and it isn't like I could compare a 20+ year old one anyway (doubtful I ever will).
And once they hit 20 years old, should be dirt cheap for liability because they probably have a range measured in feet instead of miles by that point. Not much liability if you cannot drive it past the end of your driveway!
But again, you New Englanders have a different lens for money. $30k is a cheap used car for you. I didn't spend that much on a brand new completely optionless hatchback.