so you have to have more details as to why the cost of $3200. I ran a run over 75ft and a nema 14-50 and a circuit breaker... parts was under $200. If your only way to do this is external then add a few hundred for conduit. If he needs to add another panel, no room for a breaker, or up the power to the house then maybe $3200 is reasonable. Like others have said, get a few more electricians to come to the house and get estimates, and ask specifically how they are figuring out the cost. Labor is probably $100 and hour give or take.
The quote I got last year was also a little over $3k. Only had 5-15 in the garage but its a 20 amp circuit so I switched one outlet to 5-20. The increase in charging speed to ~5 mph for the MX and ~7 mph for the M3 has been more than adequate for us. I don't see a need to spend the money required to upgrade any further. If my needs changed later, would consider switching one outlet to a dedicated circuit and upgrading it to 6-20.
As for details on the high estimate from the electrician, it's mostly labor. The sub panel is inside the house so would require running lines though the ceiling and multiple walls.
From the old estimate:
* from interior sub panel, open wall in closet and ceiling to bedroom closet. Bore holes through studs, nail plates
and joists for conductor. Thread 4/3 Romex from existing 150 amp sub panel through studs and joists to stub
through with 1” flex steel in Laundry area. Stub through with 1” flex to back of pull station in garage. Splice
Romex and continue with 1” emt along garage wall to front corner of garage to new sub panel. Run ¾” emt to (N)
junction box with NEMA 14-50 plug land on 50 amp breaker.
Materials and permit...........................................................................................................................$465
Labor (32 hours including permits, installation and inspection).......................................................$2625
Total...................................................................................................................................................$3090