Hmm, when I insured my Tesla Model Y with USAA, the increase was about 20%. Even if you're right, which I seriously doubt, it sure hasn't stopped people from buying EVs.
Educate yourself, boy:
incentive | inˈsen(t)iv | noun
a thing that motivates or encourages one to do something: there is no incentive for customers to conserve water.
• a payment or concession to stimulate greater output or investment: tax incentives for investing in depressed areas | [as modifier] : incentive payments.
mandate | ˈmanˌdāt | noun
1 an official order or commission to do something: a mandate to seek the release of political prisoners.
• Law a commission by which a party is entrusted to perform a service, especially without payment and with indemnity against loss by that party.
• US Law an order from an appellate court to a lower court to take a specific action.
It has already been proven that the Tesla cars have lower ownership costs than ICE cars by far.