10% is below average, you should feel lucky. Car insurance premiums have been rising dramatically, especially for EVs.
Could've just been "inflation" (read: Opportunity to jack up prices) too. Although if one car company is going to be on the bleeding edge of data collection & sharing it'd probably be Tesla. They're the most Silicon Valley of all.
How do you know labor prices to fix cars and more complicated/costly car parts did not cause the increase?