Could the higher insurance cost be tied to the autonomous driving option? There's a lot of nervousness about safety. Didn't I hear today that the cost for that system went up a lot?
What system are you talking about?
On January 17, the cost of FSD (Full Self Driving) will go up from $10K to $12K and before the year end it will go higher. Is this what you mean? Or cost of the actual car?
If you mean FSD, then it is a lot, and no other company had sold and charged so much before for such a capability.
But if it saves your life by avoiding an accident, you could look at it as a bargain. Furthermore, it is a feature which you can amortize over the rather long life of the vehicle, in this case 15-20 years, so you could look at it as $50 per month. If it lowers your insurance premium by $50, then it's essentially free.
I read or heard several reports in which the Tesla driver described how FSD avoided possibly life-threatening situation. Last year, one of my friends driving an older BMW in the Toronto suburb fell asleep behind the wheel, the car jumped the curb on the median island and hit two metal traffic sign poles before he woke up. The car was pretty much a write off, but fortunately hitting the sign poles prevented the car from crossing into the opposing lane and hitting another car or pedestrians on the sidewalk. If he had a FSD or even Autopilot or even a less capable Lane Keeping option, the car would have alerted him and stayed in that lane. How much would you pay for a safety feature that eliminates such mishaps?