I always chuckle when discussions start comparing insurance premiums without defining the insurance itself.

Might as well compare the prices of apples and oranges and vacuums and space stations.

These comments could be quoting liability only insurance or comprehensive/collision for a kia or comprehensive/collision with bodily injury for a rivian R1S. The insured amount would differ by hundreds of thousands of dollars.

For reference, I have only ever paid for maximum liability only insurance including uninsured/underinsured coverage ($500k/$250k), but not bodily injury, and my premium for 10k miles per year is less than $50 per month. Used to be less than $40 per month before 2022.