They're arguing the insurance costs will always be more for higher end cars, so comparing the cost of repair to a much cheaper car makes no sense. If there is

They're arguing the insurance costs will always be more for higher end cars, so comparing the cost of repair to a much cheaper car makes no sense. If there is a car 1/10th the cost of a Tesla but the Tesla is 3x as safe, you would still expect the Tesla's insurance to be more.