I think it's more about when the market is still majority manual. 20% self driving might see premiums for manual cars go up significantly because manual drivers would have more at fault accidents per mile than before (assuming the same rate of accidents, but most accidents with a self driving car are the manual driver's fault).
There will also be things like not having DWIs and even cheap parking (since the car can drive away and park) that'll net out for self driving. And feedback loops there- the same size police force only pulling over manual cars from a smaller and smaller pool.
There will also be things like not having DWIs and even cheap parking (since the car can drive away and park) that'll net out for self driving. And feedback loops there- the same size police force only pulling over manual cars from a smaller and smaller pool.