I don't find insurance any more expensive on my EV's than it was for my Hybrid. Also, if you roll pretty much anything that isn't brand new into a ditch it's toast, they are going to total it. You can't drive a vehicle into a body shop for less than $3000. Just the effing paint is ridiculous. A cheap paint job is going to run you $700. Wack up a fender and a door with a Pearl white paint, break out your wallet.