Due to a mathematical actuarial assessment of the risk of the individual circumstances: driver risk- age, driving history, speeding history, gender, claim histo

Due to a mathematical actuarial assessment of the risk of the individual circumstances: driver risk- age, driving history, speeding history, gender, claim history, post(zip)code for theft prevalence, car storage location (street); vehicle risk- cost, claim history, etc. then add a premium to make the insurer its profit. My bet is that the quote wasn’t an error or a deliberate tilt against EVs but instead a real assessment based on modelled risk.