Re: Insurance costs higher?
They aren't necessarily higher it varies. However there are less providers for some EVs due to how new they are so until they have a group rating they aren't added to most insurers. Insurers like to be able to calculate risk easily and with newer technologies they don't want to end up insuring a category of car which all have an insurable issue based on their technology. ICE has been well understood and predictable with loads of algorithms for risk created around them. An Ev needs some adjustments.
Some EVs are also insanely fast...
However You may find based on your profile and car type that the insurance isn't more and is lower than an equivalent vehicle. Some I know with a Tesla Performance have been pleasantly surprised at how low the insurance has been.