Spoke to insurance agent yesterday. 4 drivers, two of whom are teens, on a '22 Ram, 22, rav4 hybrid, and 23 model 3 standard we're at $5700/annually now. Replacing the rav4 with a LR Model Y will push us to $6800 and if we instead replaced the rav4 with a model y performance $7700/annually. These teslas definitely are not cheap to insure. I bet a lot of people are saving less on gas than they are paying in increased insurance. Going from that rav4 hybrid to a model Y we'd need to do something like 20k/year just to break even. I may replace it anyway, but it's not gonna save us anything that's for sure.