This is poor documentation... again I'll say if you are a shitty driver you will be paying high insurance and you will be having issues fixing the car and whatnot not matter what the car is. I have been a driver since 1993 and have had one claim where I was at fault (slippery road, rear-ended a car in front of me). my insurance on the Tesla is as cheap as it gets, like $68/month. have several friends that drive Teslas too (mostly 3 and Y) and no one is paying high insurance.

if you know you are going to F sh*t up with the car and have bunch of claims on it and have it at the shop all the time - I agree with you Tesla is not for you. But if you are a good driver insurance and maintenance is not a thing you need to worry about at all...

Did you look at one of the many links I posted at all? They have pretty detailed comparisons of avg insurance cost for various Tesla models vs similarly priced non-EV alternatives.

You also ignored repair costs.