EVs are like modern cell phones, very expensive and difficult to repair. Gigantic one piece panels and frame elements. Lots of cameras and sensors on the periphery that get damaged in accidents. Most importantly the battery is a potential bomb waiting to go off if damaged and minor damage is near impossible to detect in a battery back after a minor accident, which may necessitate replacement of the entire battery, which is enormously expensive.

Throw in the strong acceleration and the unfamiliar control systems (e.g., yokes, lack of gear shift/turn signal stalk, regen braking settings, etc.) and its no wonder they are expensive to insure.