Can you get car insurance on a self-driving car?

I'm curious how insurance rates work on a self-driving car. Would they be higher or lower than with a standard vehicle?

“That’s a really interesting question. As self-driving cars are still considered new technology, it’s difficult to say how car insurance rates will work with them.
To start with, we can assume that rates will still include the factors that insurance companies normally look at, like:
  • Age
  • Location
  • Driving history
  • Type of car
  • Claims history
However, the pool of data available to insurance companies for self-driving cars is small. Insurance companies will assume a self-driving car is a high risk to insure until proven otherwise, meaning the rate will be higher than a standard car.
In all likelihood, only some insurance companies will write policies for self-driving vehicles. If you purchase a vehicle with a self-driving feature, you may only have one or two insurance companies available until the technology ages.
If you’d like help finding car insurance for a vehicle you currently own, use Jerry. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and even helps you cancel your old policy. And the best part–Jerry does all of this for free.”
Emily Maracle
Answered on Sep 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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