It is interesting that you bring up car insurance.
As an aside, it is the car insurance companies that are fighting driverless technology. Its not a question of "We want more money" - even at lower premiums, with far fewer accidents their profits would probably still go up - but a question of liability.
What happens when a completely autonomous vehicle suffers a mechanical failure while moving and gets in an accident? Who is responsible? Is it the manufacturer, who didn't design the autopilot well enough to detect this particular case of mechanical wear beforehand and have the car drive itself to a mechanic and back to get fixed? Or the driver, who 'didn't maintain the car well enough' to prevent the failure in the first place?
Simply put: who owns the insurance policy? The driver/owner or the manufacturer? The manufacturers would prefer that they take it over for more complex legal reasons (they are taking on additional responsibility by 'programming the driver', it makes sense they should be the ones to hold some kind of insurance, and double-insured is waste) and as an additional selling point ("You don't need insurance with this car!"), and insurance companies want the drivers to maintain it.