You need fast charging at home, end of story. If you can only get 120V at home, forget it. That being said once you do get it, it's so nice never having to stop at a gas station again.

As for insurance, you should shop around. Not sure what's on your driving record, but it was $90/mo for me to insure my brand new model 3 when I had that vehicle. But I don't have any tickets/accidents or large claims.