Tesla owners pay 74% higher premium as insurers often total new EVs with battery 'going straight to the grinder'

[Reality Czech]

Too much disinformation for such a short article.  EVs are not being written off, insuring an EV is not more expensive than comparable vehicles, and the batteries, if damaged, are not going to the shredder. But sure, get your clicks. I fell for it.

[Adept]

What a load of crap, my insurance is cheaper, everything is cheaper to operate, and once the manufacturing costs keep reducing, the up front cost will be cheaper as well. All the oil sheep  just eat it up like it's gospel embarrassing themselves as complete illiterates that can't research facts for themselves and separate fact from oil propaganda. You pay for right wing (and strawman left) think tanks to dream up this s*** as it comes out of your much lower than ever wages vs. purchasing power, which hasn't been lower since 1970; despite technology should be making everyone's life easier. There isn't one aspect of the soon to be eliminated fossil cars that is better than the new tech. It's like all the horse and buggy people refusing to try out the automobile. Same thing is happening to the fossil car as the horse and buggy. 👋 The disruption Tesla is causing is the only good thing happening in our economy and not only do I have space age car for cheap, I made enough to pay for it with the stock in 4 months.

[A]

Teslas are the most expensive EVs and the second priciest car brand to insure with only the maker of Dodge Charger commanding higher premiums. It costs 74% more to insure a Tesla than the US national average since insurers often write the whole EV off as damaged rather than deal with impossible battery repairs.

Comparing to average is pointless, premium cars in general have higher insurance rates. And even more so for performance cars.

That said, the real issue is insurance companies not knowing how to judge EVs so they lean on the side of caution and choose to total.

They are a scam. Not "green" either. Require 10x the amount of materials to be extracted and processed in manufacture than real cars (ICE). Carbon dioxide is plant food. EVs are beneficial in cities for air quality due to no local exhaust emissions. That's it. Not really environmental, but human health benefits. They are not suitable anywhere else. There's a reason they have subsidies and are being pushed on people, with bans on real cars. Let the market decide, some people will prefer them (maybe 10% of the population).

For calling yourself anti-propaganda, you sure claim a lot of propaganda. No, EVs do not require 10X more materials to be extracted. That's just propaganda right there. For example, did you know that many of the materials in their batteries like cobalt, nickel and copper all come from the same mines? But the propaganda out there would triple count it, while not counting any mining for ICE cars at all. What also a lot of people don't realize is they think an EV is an ICE car with a large battery. But they aren't (at least ones made on EV platforms aren't), motors are smaller than engines, they don't need a transmission, they also have larger interiors in smaller exteriors.

If the market was left to decide, all the auto companies would have gone bankrupt. We are way past market deciding. And that so called health you speak of, we all end up paying for it. Did you know the biggest debt in US is medical debt? And most of it never gets paid, so taxpayers have to cover it to keep hospitals running

I love when you read comments from EV owners bragging about no maintenance and how they can charge their cars at home for $7. But they don't tell you that they had to buy a charger and have their garage rewired or their insurance costs more. As my 20 yo vehicle approaches 300K miles, I will gladly pay my $300 biannual insurance payment and my $100 monthly gas bill knowing that I can fill up in under 5 minutes and drive from coast to coast  without using an app to find "fuel" at 2am

They didn't have to buy chargers, chargers are mostly for convenience. EVs come with a mobile chargers that plugs into outlets.
There is also not that much difference in actual insurance costs. The most expensive thing to insure isn't the car, it is people. The slightly higher insurance costs they talk about is flawed logic of comparing EVs to cars in lower categories. You have to compare cars of same value and type.
PS If you are driving coast to coast, you would have gps map running anyways to see traffic, so what difference does seeing charging stations as well matter? If you got the free time to drive coast to coast in the first place, time isn't really your problem to begin with. Anyone in a hurry would fly. No car can beat an airplane in speed. The most convenient place to fill up at 2am is home. But hey, it is freezing cold out and you got nothing better to do with your time then go looking for gas stations and stand there freezing for "5 minutes", hope it won't snow.