boemElectric cars will be cheaper to make than gas vehicles but with much higher repair and insurance costs
They should be cheaper to repair since there are less parts. The added costs are related to design decisions.
When things are welded together instead of paneled, it’s more expensive. When battery packs have to be replaced in their entirety instead of individual packs or cells, it’s more expensive. Etc. Etc.
Surely you don’t mean to imply built-in obsolescence, do you?