My garage has its own subpanel which is fed by 220V and has a 100A breaker. There's an existing 14-30 (I think) outlet inside the garage for a compressor, which I no longer use, but I think I might as well get the Tesla charging station and have an electrician install a 40A or 50A circuit on the outside of the garage so I don't need to park inside to charge.A 240V circuit terminating to a NEMA 14-50 outlet will do it. You can use the portable charger..
I insure with GEICO for the house, two Ducatis, and the existing car (a Hyundai Palisade). The Palisade is about $500/year, and adding a Model Y to that policy is another $1000/year! Are Teslas really that much more expensive to insure? The Palisade and the Y have a basically identical MSRP..I, like you, haven't been swayed by a pure electric vehicle yet, but one point to note...USAA apparently upped their rates in November. My last renewal was in September, so I missed the increase at the time. I bought a new car in December, and again, missed any rate increase, since I was still under the previous contract (with only a minor increase for the newer vehicle). Fast forward to March and my 6-month premium for 3 cars went up ~57%. No citations or at-fault claims for years.
It's possible there's a bit of a "Florida Man Tax" in there, but just a heads up that even without an electric vehicle, you may see an increase if you haven't already.