alt Hacker NewsI agree with your first statement but certainly not with the second. Rates for human drivers should and will skyrocket. Individual states may try to push back with regulation but it won't succeed in the long-term
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In the long-long-term, self-driving will get good enough and people will be relying on it so thoroughly that allowing people to drive on their own, with barely any practice, will probably be more risky than it's worth. In say, idk, 100 years (probably sooner), I doubt people will be able to drive their own cars in the way they do today.
Rates for human drivers are currently at the correct level for insurance companies to pay for damage and make some profit.
If autonomous cars result in less damage than humans, their insurance price will be cheaper than human drivers, but there's no reason to raise the human rate at the same time, their accident rate should stay the same.
Why should they skyrocket? As more autonomous vehicles appear on the roads, incidents with non-autonomous vehicles will go down. Driving will become inherently safer.