Full coverage auto insurance still only covers repairs from accidents. It doesn't cover the cost of, say, brake pads needing to be replaced or a window motor going bad.

For covering normal wear and tear maintenance, that would be an auto warranty – or extended warranty, service contract, protection plan, etc.

At least, those are the standard terms in the United States.

Anecdote: last year I was repairing a bumper on my older Ford sedan, this was in Minneapolis mid winter (so tis the season for mild-severe body damage) and one of the body shops I got a quote from was also the only authorized Tesla dealership in several hundred miles. They had an entire lot just for body damaged Tesla's waiting on parts. The owner commented to me that they were getting Tesla's hauled from southern Iowa for repair. Nothing like a 500 mile flatbed ride to really spice up the total cost of repair.

It seems like there's some confusion here with regard to auto insurance, warranties, and regular maintenance.

As far as I'm aware warranties only cover faulty / defective parts (and labour to replace), insurance is intended as accident cover, everything else is regular maintenance.

It does however factor in the likelihood of a crash, and the cost of repairing the vehicle after a crash. So if the 3 is more expensive to repair than other similar vehicles, the insurance would cost more.