> Thats how insurance works in the state that I live in. > ... > I can't basically gift my old car to my teen cousin while paying "safe old man rates" I don'

> Thats how insurance works in the state that I live in. > ... > I can't basically gift my old car to my teen cousin while paying "safe old man rates" I don't think you understood what I meant by "insuring the vehicle, not the person". If cars are autonomous, then the car owner ("driver") becomes completely irrelevant to the insurance price calculation. There is now no such thing as "crazy teen boy" prices. So in other words, to contradict your final paragraph, at NO POINT will it be cheaper to insure a human driver. And given how empty roads will become once cars are autonomous, it seems crazy to build a whole new transportation infrastructure.