While commercial and promotional consideration's definitely come into play if the insurers were losing money I highly doubt they would be doing it, so to say th

While commercial and promotional consideration's definitely come into play if the insurers were losing money I highly doubt they would be doing it, so to say there's zero correlation seems strong/wrong to me. Tesla's are objectively safer according to measurements by NHTSA but that doesn't necessarily mean that all insurers would charge less. For one there is a long time delay in building an accurate insurance model. Also, insurers are not altruistic, they will price at whatever the market will bear so until it becomes very clear that Tesla's cost less or all of the competition starts to do it, you won't see prices come down.