The insurance on my FFE is about the same as the gas model, maybe that is not the same everywhere? As to the charger I ordeered one and it cost $950, a significant amount of money but a one time investment, useful as long as we have an electric car and we are likely to have one indefinitely. In the city next to mine they are essentially 'free' the rebate from the power company covers the whole purchase & installation cost. That is hit and miss all over the country but not at all unique.
I am retired, if I were still working, the place where I worked has 'free' power so not only would I not need a charger at home, it would not have cost me anything diretly for power. Nice deal, but I'm not going back to work