My son just bought a 1 year old Model 3. His insurance with Geico on the M3 went up from his 2008 Lexus IS250 by only $10 a month. Probably worth checking them out.
Everyone’s situation is different. My Model 3 is about $50 less per year than my Cadillac was. That kind of “float” is well within the usual adjustments made year over year either up or down depending on how my state (NJ) performs as a whole. Because,yup, that’s included in your rating too.