EVs don’t intrinsically have higher premiums. That’s a Tesla thing, not an EV thing per se.
The thing that raises rates is lack of serviceability, especially for salvage vehicles. Tesla’s salvage policies basically mean that a totaled vehicle has much lower resale value than it normally would because the company doesn’t want to fix it. That means insurance companies take a bigger hit when a Tesla is totaled compared to any other vehicle. That cost burden gets passed on to the consumer in the form of higher premiums for Teslas specifically. Then Elon goes on Twitter and blames insurance companies for the cost difference. Classic projection.
Theoretically, Aptera won’t have this problem because of their “right to repair” thing.
I hope that the right to repair comes with the right to update/upgrade. It looks like the AWD delivery may be a full year after the 2wd version so I’ve ordered the 400 mile, 2 wheel version to get faster delivery with hopes to add the rear drive wheel in the future if I decide that I want it.