Could it also be that it’s a $80K-$100K car?
I have no solid source, but read comments suggesting Geico tends to not insure “exotic” $100K+ luxury vehicles.
…And I think this is important to remember this when talking about it. The Cybertruck is not a peer of a F-150, but a G-Wagon, a Maserati Levante or whatever.
The panhandle is getting a lot of rain, but there is a lot of overlap with Ian’s path… namely our house :/