It is added into everyone’s policy whether they use it or not. The more people that use it, the more costs that get shared across the pool of customers, then the greater the increase in insurance costs over time. Thus higher insurance premiums for everyone in the pool.
It’s pretty brilliant. Kinda like health insurance.
ADD the cost of repairs when an UNINSURED person hits you.
UNINSURED==ILLEGAL INVADERS
This is wrong. No reason anyone should pay custom rates based on an EV when driving a Corolla. I don’t think (not sure, tho) that you pay insurance rates for a mansion when living in a shack. This is not good business practice. If EV s insurance is more than an ICE vehicle, well...so be it for anyone who thought they got an EV because it’s cheap to drive. If an EV really was cheaper to own, drive & repair, then that would be different. Any time something that is actually cheaper costs more to own, that is putting our nation further down the road to ruin IMHO.