I get why you're tempted to DIY this, but here's the thing: 240v wiring isn't like replacing an outlet or running a new light circuit. The issue isn't really about skill level - it's about what you can't see and what goes wrong when you're wrong. A 50-amp circuit for Level 2 charging demands proper wire gauge (usually 6 or 8 AWG depending on distance), a correctly matched breaker, appropriate conduit, and grounding that actually protects you if something fails. Most jurisdictions require a licensed electrician specifically because insurance won't touch a claim if you installed it yourself, and that's not just red tape - it's because fires and electrocution from improper 240v installs do happen. You could have perfect intentions and still undersized the wire or miss a grounding detail that seems fine for months until it isn't.
The harder problem most people run into is what those other answers touched on: your main panel might not have the capacity or space for a new 50-amp breaker. Finding that out requires actually evaluating your setup, and if you need a panel upgrade, that's definitely licensed-electrician territory and that's where costs balloon. Sometimes the quote is high because they're upgrading your service, not because they're overcharging. Before accepting or rejecting $2500, ask your electrician for an itemized breakdown - what's the cost of the breaker, wire, conduit, labor to run it, the permit, and any panel work. If they won't break it down, get a second opinion from another licensed electrician. The permit and inspection fees alone are usually $200-400, and those inspectors are specifically trained to catch the invisible problems that DIY installations miss.