The main thing is the "risk", which in insurance speak means something like probability times costs of bad things happening. For a toaster this is less than 1 c

The main thing is the "risk", which in insurance speak means something like probability times costs of bad things happening. For a toaster this is less than 1 cent per year. For a human-driven car that's 1000 $ a year. To be more concrete: the probability that a car owner gets involved in an accident at some point is actually really high. I've already been involved in 2 car accidents, not driving myself though, one of them was very serious. On the other hand I've never heard of someone having a toaster catching fire. And even if it would catch fire, you are probably watching the toaster and can put it out easily - maybe even by throwing the toaster out of the window.