AFAIK, it's due to things like single frame construction and expensive + backlogged parts which you order directly from Tesla (as opposed to, eg, a drivetrain that may be made for 3 separate manufacturers).

Or, when you do have an accident it's typically more expensive to repair.

That is entirely new issue and insurance does not respond this quickly.

Tesla's have had higher insurance for 5+ years. Some of which is due to wait times on repairs, costs of repairs, and also accident rates.

No, Teslas are hard to repair. The insurance rates were always higher than similar ICE vehicles. Any extra problems are marginal.