If rate of accidents and incidents gets to 10 times less, the price of insurance will drop 10 times. Claims go to manufacturers? Manufacturers will insure, and you will pay that price, that will be smaller than current insurance.
We know the rate of accidents could drop enormously because we have seen what has happened with airplanes.
I modeled mathematically accident causes for a big insurer in Spain. They have a database of accidents and most accidents are preventable.
10x less accidents is very conservative and easy to get in a small period of time(10 years).
Something as simple as "knowing the road conditions", like "this place is dangerous after the bridge in winter because there is shadow and water and ice is created", or "here there are construction's trucks that leave sand at the curve, dangerous for motorbikes", "here children go out the school that is near and cross the road instead of taking the bridge".
When a car can download all this information and take decisions based on that, I expect the rate of accidents to drop dramatically.