content: as a matter of fact, the insurance industry is looking hard for ways to insure them profitably.  i think rates will be standardized nationally with allowances made for regional traffic volume.  if you 'drive' in rural areas, you'll pay less.  drive in a city or metropolitan area, you'll pay more, very much the way people are insured now.  everyone will be required to have a minimum amount of personal injury protection.  i think it will be organized into pools, maybe by manufacturer or safety rating of the vehicle itself.  the problems will come during the transition.  older cars with human drivers will pay a big premium, and fault will be assessed based on the human driver as the cause, unless the driverless car has some sort of mechanical defect.  really, it's the lawyers who will profit initially.    these cars are coming, whether people want them or not.  insuring cars with human drivers is going to be vastly more expensive than machine driven ones, i believe.    *edited to flesh out my thought a bit.