Have you shopped around recently for insurance?

I bought this BRZ about 2 1/2 years ago. At the time, I was paying $90/month for an old 2000 Suzuki Esteem for only liability and uninsured motorist with Nationwide insurance. They quoted me $180 to insure my BRZ for full coverage. I decided to shop around and switched to Progressive after they quoted me the $95 for the BRZ with better coverage and lower deductibles.

If you have a clean driving record Progressive is great. My wife got rear ended, wasn't even her fault, and Progressive quickly became more expensive than many alternatives. I'm guessing they get such good rates by heavily penalizing people with a greater risk profile (which is fine I might add, even tho it sucks for me :-) )

Keep in mind that insurance costs vary extremely widely state to state (i.e., market to market, to the parent poster's point). Different states have different risk profiles but more importantly, widely different insurance regulations.

Insurance is based on statistical models and probabilities, and on the actual cost for each option. If in your country BMWs are often crashed then their premiums will go up. But if they are extremely cheap to repair it goes back down. A US only car brand that could be common occurrence in the US might be a rarity in EU and it will cost a lot to insure.

With Tesla one thing is certain: at this time parts and skills are rare, expensive, and time consuming. So unless you live in the Tesla factory, getting the part you need and a person qualified to make the fix will cost a lot and take a long time.

They need to develop the support network just like they did with the charging network. Make partnerships with big car service chains, provide training, ensure a steady supply of parts, etc. That's a big logistical undertaking.

I am with progressing and pay $180 for 50/100/50 with collision and uninsured.