Wyatt, you may be right; but the XL1 is at least 0.06 lower Cd than the Insight; which is almost 25% lower. They both have tapered sides and narrower rear wheel tracks, and covered rear wheels, and similar smooth front wheels. The side video mirrors and the underside of the XL1 are the obvious big differences. And they weigh close to the same - the VW is slightly lighter, including the 5.5kWh lithium battery.
So, VW's engineers have worked very hard to find the big penalties, I'm sure.
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