Until there&#x27;s no human control available drivers will still have to have insurance. Even after that it&#x27;ll take some fight to get auto companies to accept liability for failures instead of the &#x27;driver&#x27; (or owner I guess since there&#x27;s not really a driver in a fully self driving car). Rates for fully automatic cars should be drastically lower though once the insurance companies have a way to gauge the risk of crash for each car.<p>If I had to guess there will probably be tests like the Institute for Highway Safety does but to test autonomous car software, maybe mostly simulated so they can run a huge number of tests again and again (a Matrix-for-Cars).