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Insurance premiums for Teslas are well above the national average for insuring a new vehicle. Although, they've gotten better in recent years. The Model S used to be number one most expensive vehicle to insure in the US, even beating out exotic cars.

Repairability is a risk to insurance companies because they are liable to repair vehicle vehicles. When parts and labor are in short supply, they are more expensive. These expenses are something that an insurance company would pay in a claim for a vehicle they are liable to fix. Also, please remember that insurance companies also sometimes must pay consequential costs, e.g. a rental car, while vehicle repair repairs are pending.