Insurance always balances between cost pooling and making people pay for their increased risk. Car insurance has always been more expensive for riskier drivers: young men pay more, driving “high risk” cars pay more.

If the overall liability pool goes down but the human drivers become an outsized part of it, the insurance company will likely shift that cost to them. If they don’t, someone could set up an autonomous-only insurance company (or google could just insure itself) to take advantage of the lower risk, making the human insurance more expensive (even more so that the liability since the overall pool will be much smaller).

Yes, that is implicit in what I am saying. We have human only insurance pools today. I dont see a good reason why a human only insurance pool in the future would be more expensive than today.

Human driving wont be more risky than today.