Odd. I'm in NJ and have NJM for an insurer; switched to them from State Farm and saved a hundred bucks or so. NJM is around 1800 or a year, personal (non-commercial).
I didn't regard State Farm's rates excessive, either, for this corner of the country.
Commercial.. for a business. Let me check a bit. There's a random web site that reports that commercial rate auto is around $2100/year, but they point out that the "average" includes both liability policies (lower cost) and comprehensive (higher cost). The high end was stated to be around $333/month back in April of 2022.
No question, then: Personal autos and commercial autos are insured at different rates.
I dunno. I liked State Farm's agents: One can actually find somebody not in a call center who'll talk to you. Pop into an Agent's office and explain what you're looking for. I've found that if one asks general questions like, "How does this work, anyway?", the agents I've run into haven't been shy about popping up with answers. I mean, it's insurance, they've got people who play serious games with accident rate tables.
A Model 3 is sometimes regarded by some insurers as some kind of race car; but a non-P Model 3 is more like a Camry, but cheaper to drive. Some insurers got the memo, others, not so much.
The only other thing of which I'm aware is, at the moment, any given Tesla is more expensive to repair after a fender bender. There's not a lot of secondary body part manufacturers like there are for other automobiles. On the other hand, physical injury while being in Model 3 (and the resultant hospital bills) would be much less, the Teslas being generally safer for the occupants.
Happy Holidays!
