They’re extremely expensive to repair for one, which drives up the rates since many are just written off after relatively minor accidents.

The torque/hp figures also do not help since they are in correlation with abuse and thus higher crash rates. e.g. a Tesla just for liability is significantly more expensive due to hp, you get nothing for crashing it, same weight Model 3 vs ID.3 both 60kwh but 205 vs 150kw is 115 vs 85 euros as a first owned car for a 35 year old and it drops quickly with less power (rates also differ for where you live, don't try to insure an audi with specific trim of wheels on some cities).

The main reason is the performance. Many early EV's had blistering acceleration and this was reflected it the number of claims insurance companies were getting.