You'd pay a premium over those that exclusively use auto-pilot. That premium should still be lower than what you pay now. Reason being, you'll still be driving

You'd pay a premium over those that exclusively use auto-pilot. That premium should still be lower than what you pay now. Reason being, you'll still be driving yourself, but now you're surrounded by auto-pilot vehicles. Therefore, you should be involved in less accidents as auto-pilot cars react faster to your mistakes, avoid following you too close, avoid merging into your lane, backing into you in a parking lot, etc. So, driving on auto-pilot might be 90% safer, and driving without auto-pilot, in a world where the majority use auto-pilot, you might be 60% safer than today. Either way, less accidents, safer roads, lower insurance.