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I have ALLSTATE and pay an additional $22 a month for my Tesla S. I have 3 cars with a total annual cost of about 1100. I don't run with any collision or comprehensive and figure at least half the time if I have an accident it will be someone else's fault and their insurance will cover but I do have 100/300K in limits.
I was with GEICO for 20 years. They raised my rate significantly last year, with no incidents. Progressive was significantly cheaper so I switched when I bought the Tesla.
Progressive is charging me $280 for 6 months with deductible.
Had Geico for years, then they jacked my rate for no reason. Switched to Tesla and couldn't stand it (stupid forward collision warnings for no reason near parked cars kept plummeting my safety score and upping my rate -- just not interested in that stress and ruining my day all the time. Just switched to Progressive, for about what I used to pay Geico. They're all crap honestly. What a racket.
I have to ask...why do you have a zero deductible? Make it at least a $1,000 deductible and set that cash aside to make some interest on it. Between the interest and monthly savings it could be significant, it always has been for me.