The first few years the premium would probably be much higher, especially since these would be luxury cars and you just know there would be attempts to fool the

The first few years the premium would probably be much higher, especially since these would be luxury cars and you just know there would be attempts to fool the cars into compromising situations (or simply steal them). After the adoption curve hits the early majority the premium balance will shift the other direction (you'll pay more if your car doesn't have the safety feature of being able to drive itself). And at some point it will (assuming that automatic cars are in fact safer) become illegal to operate a vehicle manually on a public road unless it's an emergency. Also fully automated taxis start to look like a mass transit system, and if Zip car offered to pick you up at your house...