While not rich and not a tesla driver. I'd speculate richer folks tend to not micromanage prices changes(raises) in insurance premiums. Someone who is less rich might reconsider insurance purely on a financial decision. And someone a little more wealthy will never look twice at it.

Most people don't get in accidents and most people need auto insurance for many decades. So those lazy rich people will likely not change.

This is also assuming most people don't make many claims in insurance. (as is the base concept of how insurance works?)