Please read this part of my comment:

> but when it does have an issue, like a dent or a scrape, etc. the cost to repair is much higher.

This is why insurance on Teslas is higher. It is not uncommon for bodywork on Teslas to be far more expensive than on other cars, and since bodywork is the majority of insurance claims, it factors in.

You can read about why insurance and repair costs are higher at many sites:

https://www.compare.com/auto-insurance/vehicles/tesla/why-is...

https://www.businessinsider.com/tesla-car-insurance

https://www.theguardian.com/money/2023/sep/30/the-quotes-wer...

https://www.nerdwallet.com/article/insurance/tesla-insurance