> Most people in the US buy cars with loans and don't have a choice about insurance. So I don't see any point involving that in the comparison. often times thi

> Most people in the US buy cars with loans and don't have a choice about insurance. So I don't see any point involving that in the comparison. often times this cost multiples of gas car > I don't yet have an EV, but I expect to buy one soon... so I've been thinking about this scenario. definitely check your future insurance rate to avoid surprises