Part of the problem may be Mercury.
We switched our auto insurance from USAA to Mercury a couple years ago as Mercury had the best auto insurance rates for us at the time. We got the Model 3 SR+ about 2.5 months ago, but Mercury premium was no bueno. My insurance agent noted Mercury charges above rates for Teslas and forces a high ($1000) deductible apparently because they feel they don't have enough information to price them.
I just changed our auto insurance polices back to USAA today. USAA is substantially less for us and offers much better coverage:
For our Model 3 SR+:
Zip Code 95677
6 month premium
Bodily Injury Liability: $100k/$300k
Property Damage Liability: $50k
Uninsured Motorist Bodily Injury Liability: $100k/$300k
Uninsured Motorist Property Damage Liability: "maximum"
Roadside Assistance: $500
Bodily Injury Liability: $300k/$500k
Property Damage Liability: $100k
Uninsured Motorist Bodily Injury Liability: $300k/$500k
Uninsured Motorist Property Damage Liability: $3,500 per accident then $500 deductible after
Roadside Assistance: towing and labor
A week ago we returned our leased 2016 Leaf SV and picked up a new 2019 Leaf SV on lease, same coverage as our Model 3 SR+, and the Leaf premium is a bit more expensive at $550*.
*both 6 month premium prices reflect in part the combined policy with homeowners insurance and umbrella policy, but most of price difference between Mercury and USAA was changing carrier, excluding the multi-policy discount
'19 Model 3 SR+ (own), '19 Leaf SV (leased), '12 Plug-in Prius (sold 3/19), '16 Leaf SV (prior lease), 11.43kW Solar PV (16MWh/yr real production), 20.5 SEER/13.0 HSPF ducted air-source heat pump, 3.70 UEF heat pump water heater, Induction Cooktop