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.
They don’t pay custom rates like you are alluding to, but when there is a regulation that impacts all insured such as mandatory glass coverage with no out of pocket expense, then that cost is shared by all in the pool regardless of if they use it or not.
Joe six pack driving a ‘79 f150 pays the same fees/etc... to cover the costs of glass coverage as the guy that is driving a tesla with all the bells and whistles and costs way more to replace a window with tons of sensors and needs system re-calibration when installed. It is shared across the pool of insureds, bank on it.