House is quite old, 100A, no electric stove, but air condition + dryer pls some... some A still left for charger... but with this all separate lines installments more then 1000$ 1500, 2000$, new electric box, etc etc etc ... then I will stick with level 1 :-(
Or electrics just saying stories

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1. To be honest, L1 charging is perfectly fine unless you are doing multiple 30 mile trips a day. In fact it is preferable as it is gentler on the battery. Only invest in L2 charging if you are exceeding the 30 mile limit AND you are doing multiple 30 mile trips spaced in time. The only other way I'd invest in L2 charging is if your utility company gives you large rebates for a charger.
For our usage, we start the morning with 100%. My wife drives ~10 miles round-trip to drop the kids off at daycare and get back to 70%. She plugs in on L1 and by 4pm it's back to ~98%. Drives ~10 miles round trip and gets home at 60%. We plug in on L1 and it's at 100% the next morning.
2. 100A is pushing things close, but it's not terrible. NEC code allows subpanels to be installed up to 80% of the main panel. So as long as you have 2 adjacent breakers free on your main panel you can install an 80A subpanel in your garage with an EV charger attached to that.
Keep in mind the 2 breakers free can involve rearranging things. If you're in the south where they put water heaters in the garage you could move the water heater to be on the subpanel.
As for wiring between the subpanel and main panel, have your contractor quote you using ALUMINUM SER (Service) cable. It's a lot cheaper. They'll have to gauge up a size but it's perfectly within NEC code to string that connecting main and subpanel.
The main issue with the 100A panel is you still have that 100A breaker. If you exceed that your whole house power shuts off until you flip it back. This is a quality-of-life issue as opposed to a safety issue.