Not so fast, mon ami. Geico quoted me $166/month for a Tesla model 3; a bolt would have been $111/mo. I have high limits, but I also don't live in the most expensive county for car insurance in NJWow, is that for one vehicle? I'm in Michigan which usually has the highest rates in the country.
The Loss rate/claim factor on the C-Max is established with actual historical data and USAA has pretty slim margins to benefit their members. The MachE is has Zero history and actuaries will have to extrapolate vehicles that as similar as possible but it won't be as aggressive with the lack of vehicle specific numbers. They did this to our Sequoia in 2001, very similar to our Expedition, but our rates went up.. subsequent years the rates actually went down for the Sequoia.USAA quoted me $25 more per month to swap out my C-Max for the Mach-E. Which results in a 14% increase in monthly payments for two vehicles (Explorer and Mach-E).