Agent here: all company rates are going up right now. Why? Higher parts cost (new and used) paying you way over and above normal total loss value if you wrecked your car so you can buy another inflated priced car, paying maximum rental car coverage due to the parts shortage, distracted driving and fatalities are still a problem. With that said, Allstate is on fire right now as a company. Get other quotes now. Lastly, your Tesla is expensive to repair or replace, and Philadelphia in city rates are and always have been absurdly high.