this sounded off, as I've driven my dad's Tesla and its combination of blazing speed and total silence, not to mention that Teslas are well within the high end luxury category, does not seem like insurance would be cheap. They are also expensive to repair if accidents occur.

Looked it up and found https://www.nerdwallet.com/article/insurance/tesla-insurance

"The high cost of a Tesla doesn’t stop at its price tag. Insurance for a Tesla tends to be significantly more expensive than that of other popular vehicles, despite high safety ratings."

"Still, rates can vary drastically, even among different Tesla models. Below are the average annual insurance rates by Tesla model, ranked from cheapest to most expensive:"

    Model Y ($2,040).

    Model 3 ($2,115).

    Model S ($3,008).

    Model X ($3,044).

That is not cheap at all. I own three cars at the moment, one of which is also a new (non-Tesla) EV and I pay $3600 /yr in total.