At the moment, there is no other option other than human driving cars. Once automated cars are a realistic option, insurance companies can properly price insurance for human drivers much higher (comparatively speaking). A self-driving car should have almost 0 risk, meaning the vast majority of cars (if self driving) would carry no risk to the insurer.

> Once automated cars are a realistic option, insurance companies can properly price insurance for human drivers much higher (comparatively speaking).

What's "proper" about raising the prices for no reason? If they start pricing human drivers higher than they currently do, some other insurer will just undercut them.

yes, but that doesn't explain why the underlying risk of insuring human drivers would rise. Nor does it explain why, since the underlying risk is the same, Progressive wouldn't offer lower rates than Geico's.

I suspect that the risk would actually lower for the remaining human drivers as the AI vehicles are probably going to be better at predicting and dodging our stupid mistakes, resulting in fewer accidents even if we don't improve our driving abilities.