First, many homes do have poor insulation. We're talking about the average across the country (or developed world) here. Second, no amount of insulation is goi

First, many homes do have poor insulation. We're talking about the average across the country (or developed world) here. Second, no amount of insulation is going to make air conditioning cheap or efficient in Texas or Florida. If you assume a commute by EV then you can directly compare the kwh used to get to work vs run the a/c at home. As it happens, the way I actually commute is bike and public transit, so the calculation is more difficult. But I do know that my electricity bill is dominated by EV charging and a/c in the summer.