I'm going to call FUD here. My son is an insurance agent with a major insurance company, when we got ours I asked him about the cost. He said it's roughly the same as all the other luxury vehicles out there. My insurance didn't go up appreciably from my Mercedes S class when I got my model S. Even though the S was a decade earlier. So, I'm not sure who you're reading and I'm not sure who those guys are that did that study, but maybe they're not so dependable as it might seem. The internet has plenty of One Man shows that carry the appearance of an established organization, but really don't have anything going for them. Not sure who these guys are, maybe they're legit. But, they seem to be wrong for the largest insurance company in the United States of america.