I believe the aluminum body trying to absorb the heavy mass means even a low speed collision will spread damage all over the car. Then insurance companies have to fork out maybe 3 months of rental cars to get simple repairs done. I'm just going by the national averages on car insurance by model. All Teslas are well into the high side. If California and Oregon have better deals I can either assume that means everywhere else is really bad, or those states are somehow sweetening the pot to make them not seem as bad.
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