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Hello,
I'm sure that your insurance company would have to do the research on it -- a completely new vehicle type.
I rode a BMW K75S for about 11 years. It cost me about $6,000 new in 1987, and if I had gotten collision, I would have paid $1,100/year. So, if you can go for 6 years w/o a claim, then you have saved the cost of replacement.
Just going with the percentages, that means the Aptera would cost you ~$5,000/per year -- obviously this is a wild guess, and before buying an Aptera, I'm sure I would call my insurance agent!
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