> The most likely scenario at this point it:

> - autonomous cars cause fewer accidents

> - so either insurance will be cheaper for them

> - AND/OR human driving car insurance goes up

If they were going to do that, they would have done it by now for those drivers opting into the insurance monitor device: they can literally tell that you're a driver that never took a risk, never got into a situation to brake hard, never drove recklessly, etc, and yet, the insurance cost with the device is only slightly less than the insurance cost without the device.

In any case, if this was strictly a financial decision, why would the human cost go up? The larger the percentage of SDVs there are on the road, the less likely a human driver gets into an accident, their risk goes down too, so their insurance should also go down.