The change will have an interesting effect: Over time, fewer drivers will have their own insurance which is going to shrink the risk pool. I don't know where the tipping point is, but some day the premiums for individual car insurance will skyrocket. What happens when the liability coverage for an individual driver with a good record costs $3,000? $8,000 / year? That's really going to increase the sales/use of self-driving cars. Manufacturers like Tesla might as well get ahead of the curve.