But they are when they get involved- the odds of getting into a crash with a Tesla goes up significantly when you happen to be inside of it all the time.

Insurance covers risk. More cost exposure, more cost gets passed on to the customer

That doesn't really matter.

Lets assume the ridiculous best case scenario: Tesla cars are 2x as safe as other cars.

If replacement parts for a Tesla car cost 2x the amount of regular cars, there is practically no difference in cost. It will still cost more to repair that Tesla comparatively to other vehicles per accident.

Remember, insurance also calculates the driver's individual risk level.

Combine that with reckless Tesla owners letting the car just drive for them while asleep at the wheel. Tesla cars still have a high risk overall.

Tell that to all the Hyundai/Kia owners whose cars are just spontaneously getting damaged while sitting parked. ;)