I had a relatively inexpensive 2019 Leaf that got into a fender bender and it was totaled. It was mostly cosmetic damage and air bags. I really miss that car. With the rise in car prices the amount the insurance company paid wouldn't cover a 2019 replacement and with Covid I no longer drove as much so didn't need a second car for the family.

Airbags are awfully expensive, and on top of that they damage the interior — dash, seats, roof and door lining may all need replacing too. Some cars also have one-time-use seatbelt pre-tensioners.

At what point are insurance premiums going to make these cars prohibitively expensive?

Yesterday. The cheapest Rivian is already over $70k.

These cars are built for elites, it doesnt matter if the mids can afford them.

Not even close.

“Best damned car on the lot.”

:D