Tesla provides insurance to Model 3 owners, but currently only those who live in California.
Tesla’s Insurance website is here
Insurance of AWD vs Rwd – dual or single motor
Some Tesla Model 3 owners have noticed that insuring a 4wd Model 3 is cheaper than the 2wd version. This could be because the insurance company sees less accidents in AWD vehicles than in Rwd vehicles.
Other Tesla M3 owners have mentioned that in their location, the costs are the same.
I have a 2wd and a 4wd…. exact same premium on both (CA)ms90069 from Reddit